Country Lake Estates, NJ
Country Lake Estates wildfire risk explained
USFS scores Country Lake Estates at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,608 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Country Lake Estates at the 93rd percentile, close to its 95th-percentile risk score.
Country Lake Estates's building exposure, zone by zone
Indirect exposure is dominant in Country Lake Estates (91.9% of 1,608 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 6.6% sit in the Direct zone.
How Country Lake Estates compares
Country Lake Estates's risk sits at a similar level relative to New Jersey (98th percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Country Lake Estates ranks 1,639 for wildfire risk (1 is highest) and 8,738 by building count (1 is largest). Within New Jersey alone, it ranks 13 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Country Lake Estates
Country Lake Estates's 95th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Country Lake Estates (91.9% 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 Country Lake Estates's 1,639-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Country Lake Estates, see the exposure-zones guide.