Lyncourt, NY
Lyncourt wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lyncourt at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,187 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lyncourt at the 4th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lyncourt's building exposure, zone by zone
USFS classifies 99.3% of Lyncourt's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Lyncourt against the rest of the country
Lyncourt's risk sits at a similar level relative to New York (2nd percentile statewide) as it does nationally (4th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lyncourt ranks 30,390 for wildfire risk (1 is highest) and 6,969 by building count (1 is largest). Within New York alone, it ranks 1,259 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
Lyncourt's low wildfire rating (4th 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.
Lowering exposure, not just insuring around it
Even with 99.3% of Lyncourt outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Lyncourt's figures come from
Every one of the two percentiles behind Lyncourt's 30,390-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lyncourt's dominant minimal exposure actually means, with real examples from across the dataset.