Cold Spring, NY
Cold Spring, NY's wildfire risk, in USFS's own numbers
USFS scores Cold Spring at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 777 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cold Spring's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
Cold Spring's building exposure, zone by zone
777 buildings are counted in Cold Spring, and 88.3% of them are Indirect exposure — ember-driven risk rather than the 11.3% in Direct exposure or the 0.4% rated Minimal.
How Cold Spring compares
Cold Spring's 94th-percentile standing inside New York outpaces its 49th 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, Cold Spring ranks 15,946 for wildfire risk (1 is highest) and 13,846 by building count (1 is largest). Within New York alone, it ranks 82 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Cold Spring and the insurance market
Cold Spring's elevated rating (49th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Cold Spring
With ember exposure the dominant pattern in Cold Spring (88.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Cold Spring's 15,946-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Cold Spring, see the exposure-zones guide.