Cold Spring Harbor, NY
Cold Spring Harbor wildfire risk explained
Out of every US place USFS scores, Cold Spring Harbor lands at the 33rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,474 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cold Spring Harbor's burn probability — fire likelihood with no building count factored in — sits at the 33rd percentile nationally.
Where Cold Spring Harbor's buildings actually sit
92.8% of Cold Spring Harbor's 1,474 buildings sit in USFS's Direct exposure zone, roughly 1,368 structures close enough to burnable vegetation for flame contact, not just embers — 4.9% fall in the Indirect, ember-only zone and 2.3% are Minimal.
Where Cold Spring Harbor ranks
Compare Cold Spring Harbor's two percentiles: 72nd within New York, only 33rd nationally — a gap of 38 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Cold Spring Harbor ranks 21,087 for wildfire risk (1 is highest) and 9,289 by building count (1 is largest). Within New York alone, it ranks 368 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
At the 33rd national percentile, Cold Spring Harbor rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Cold Spring Harbor
With 92.8% of Cold Spring Harbor 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
Cold Spring Harbor's 33rd-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 Cold Spring Harbor, see the exposure-zones guide.