Cold Brook, NY
Cold Brook wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cold Brook at the 6th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 185 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cold Brook at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cold Brook's building exposure, zone by zone
185 buildings are counted in Cold Brook, 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.
Cold Brook against the rest of the country
There's little gap between Cold Brook's 6th national percentile and its 8th 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, Cold Brook ranks 29,761 for wildfire risk (1 is highest) and 25,426 by building count (1 is largest). Within New York alone, it ranks 1,190 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
Cold Brook's low rating (6th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Cold Brook's 100% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 185 counted buildings into the percentiles shown above for Cold Brook. For more on what direct exposure implies beyond Cold Brook, see the exposure-zones guide.