Holbrook, NY
Holbrook wildfire risk explained
Holbrook sits at the 35th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 8,158 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holbrook at the 35th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Holbrook's building exposure, zone by zone
91.5% of Holbrook's 8,158 buildings sit in USFS's Minimal exposure zone, with only 8.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 8,158 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Holbrook ranks
Within New York, Holbrook ranks higher (75th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Holbrook ranks 20,579 for wildfire risk (1 is highest) and 2,057 by building count (1 is largest). Within New York alone, it ranks 320 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Holbrook and the insurance market
Holbrook's moderate wildfire rating (35th 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
Holbrook's 91.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Holbrook's 20,579-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Holbrook, see the exposure-zones guide.