Lorraine, NY
Lorraine wildfire risk explained
Lorraine's 131 buildings earn a 8th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lorraine's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
What "at risk" means for the buildings here
131 buildings are counted in Lorraine, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Lorraine against the rest of the country
There's little gap between Lorraine's 8th national percentile and its 17th percentile inside New York, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lorraine ranks 29,035 for wildfire risk (1 is highest) and 27,681 by building count (1 is largest). Within New York alone, it ranks 1,072 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
What this risk score means for insurance
Lorraine's low wildfire rating (8th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Lorraine
With 100% of Lorraine in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Lorraine's figures come from
Lorraine's 8th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lorraine's dominant direct exposure actually means, with real examples from across the dataset.