Clearbrook, NJ
Clearbrook wildfire risk explained
USFS scores Clearbrook at the 57th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,046 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clearbrook's burn probability — fire likelihood with no building count factored in — sits at the 57th percentile nationally.
Clearbrook's building exposure, zone by zone
USFS puts 90.3% of Clearbrook's 1,046 buildings in the Indirect exposure zone, versus 4% Direct and 5.6% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Clearbrook ranks
Clearbrook scores 57th nationally and 66th within New Jersey — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Clearbrook ranks 13,524 for wildfire risk (1 is highest) and 11,614 by building count (1 is largest). Within New Jersey alone, it ranks 238 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Clearbrook and the insurance market
Clearbrook's elevated wildfire rating (57th 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
Because 90.3% of Clearbrook's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,046 counted buildings into the percentiles shown above for Clearbrook. For more on what indirect exposure implies beyond Clearbrook, see the exposure-zones guide.