Arrowhead Lake, NJ
Arrowhead Lake, NJ's wildfire risk, in USFS's own numbers
Arrowhead Lake's 73 buildings earn a 52nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arrowhead Lake's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Arrowhead Lake: 93.2% of its 73 buildings, versus 6.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Arrowhead Lake against the rest of the country
Arrowhead Lake's risk sits at a similar level relative to New Jersey (59th percentile statewide) as it does nationally (52nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Arrowhead Lake ranks 15,257 for wildfire risk (1 is highest) and 30,182 by building count (1 is largest). Within New Jersey alone, it ranks 286 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Arrowhead Lake
Arrowhead Lake's elevated rating (52nd 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 Arrowhead Lake
Because Direct exposure dominates in Arrowhead Lake (93.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Arrowhead Lake's figures come from
The methodology guide shows exactly how USFS turned 73 counted buildings into the percentiles shown above for Arrowhead Lake. The exposure-zones guide covers what Arrowhead Lake's dominant direct exposure actually means, with real examples from across the dataset.