White Lake (Sullivan), NY
White Lake (Sullivan), NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts White Lake (Sullivan) at the 43rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 353 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks White Lake (Sullivan) at the 44th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where White Lake (Sullivan)'s buildings actually sit
USFS classifies 80.5% of White Lake (Sullivan)'s buildings as Direct exposure, higher than its 13.9% Indirect share and far above its 5.7% Minimal share — a profile where 284 structures sit close enough to vegetation that lot clearing matters most.
White Lake (Sullivan) against the rest of the country
Within New York, White Lake (Sullivan) ranks higher (88th percentile) than it does nationally (43rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, White Lake (Sullivan) ranks 17,936 for wildfire risk (1 is highest) and 20,243 by building count (1 is largest). Within New York alone, it ranks 152 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
White Lake (Sullivan) and the insurance market
White Lake (Sullivan)'s elevated rating (43rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in White Lake (Sullivan) (80.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
White Lake (Sullivan)'s 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond White Lake (Sullivan), see the exposure-zones guide.