Mariaville Lake, NY
Mariaville Lake wildfire risk explained
Out of every US place USFS scores, Mariaville Lake lands at the 15th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 555 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mariaville Lake's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Where Mariaville Lake's buildings actually sit
555 buildings are counted in Mariaville Lake, and 95.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 2.7% rated Minimal.
How Mariaville Lake compares
Mariaville Lake's 36th-percentile standing inside New York outpaces its 15th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Mariaville Lake ranks 26,699 for wildfire risk (1 is highest) and 16,501 by building count (1 is largest). Within New York alone, it ranks 825 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
Mariaville Lake's low wildfire rating (15th 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 Mariaville Lake
Mariaville Lake's 95.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Mariaville Lake's figures come from
Mariaville Lake's 15th-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 Mariaville Lake's dominant direct exposure actually means, with real examples from across the dataset.