Schroon Lake, NY
How exposed is Schroon Lake to wildfire?
Out of every US place USFS scores, Schroon Lake lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,027 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Schroon Lake at the 22nd percentile, close to its 21st-percentile risk score.
Schroon Lake's building exposure, zone by zone
1,027 buildings are counted in Schroon Lake, and 59.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 2.8% rated Minimal.
Where Schroon Lake ranks
Within New York, Schroon Lake ranks higher (47th percentile) than it does nationally (21st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Schroon Lake ranks 24,810 for wildfire risk (1 is highest) and 11,746 by building count (1 is largest). Within New York alone, it ranks 686 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Schroon Lake and the insurance market
Schroon Lake's moderate wildfire rating (21st 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
With 59.4% of Schroon Lake 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,027 counted buildings into the percentiles shown above for Schroon Lake. For more on what direct exposure implies beyond Schroon Lake, see the exposure-zones guide.