Crandon Lakes, NJ
Crandon Lakes, NJ's wildfire risk, in USFS's own numbers
Crandon Lakes's 566 buildings earn a 63rd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Crandon Lakes at the 61st national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Crandon Lakes: 98.9% of its 566 buildings, versus 0% Indirect and 1.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Crandon Lakes against the rest of the country
Crandon Lakes's risk sits at a similar level relative to New Jersey (72nd percentile statewide) as it does nationally (63rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Crandon Lakes ranks 11,699 for wildfire risk (1 is highest) and 16,314 by building count (1 is largest). Within New Jersey alone, it ranks 195 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
At the 63rd percentile nationally, Crandon Lakes carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With 98.9% of Crandon Lakes in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 566 counted buildings into the percentiles shown above for Crandon Lakes. For more on what direct exposure implies beyond Crandon Lakes, see the exposure-zones guide.