Collings Lakes, NJ
Collings Lakes wildfire risk explained
Collings Lakes's 652 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Collings Lakes at the 84th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Collings Lakes's building exposure, zone by zone
USFS classifies 53.5% of Collings Lakes's buildings as Direct exposure, higher than its 46.3% Indirect share and far above its 0.2% Minimal share — a profile where 349 structures sit close enough to vegetation that lot clearing matters most.
How Collings Lakes compares
There's little gap between Collings Lakes's 86th national percentile and its 91st percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Collings Lakes ranks 4,575 for wildfire risk (1 is highest) and 15,176 by building count (1 is largest). Within New Jersey alone, it ranks 65 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
What this risk score means for insurance
Collings Lakes's very high rating (86th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Collings Lakes's 53.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Collings Lakes's figures come from
Every one of the two percentiles behind Collings Lakes's 4,575-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Collings Lakes's dominant direct exposure actually means, with real examples from across the dataset.