Cream Ridge, NJ
How exposed is Cream Ridge to wildfire?
Cream Ridge sits at the 79th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 396 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cream Ridge's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Where Cream Ridge's buildings actually sit
USFS classifies 92.7% of Cream Ridge's buildings as Direct exposure, higher than its 7.3% Indirect share and far above its 0% Minimal share — a profile where 367 structures sit close enough to vegetation that lot clearing matters most.
Cream Ridge against the rest of the country
There's little gap between Cream Ridge's 79th national percentile and its 84th 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, Cream Ridge ranks 6,776 for wildfire risk (1 is highest) and 19,305 by building count (1 is largest). Within New Jersey alone, it ranks 111 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Cream Ridge and the insurance market
At the 79th percentile nationally, Cream Ridge 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.
Hardening a home in Cream Ridge
Cream Ridge's 92.7% 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 Cream Ridge's figures come from
The methodology guide shows exactly how USFS turned 396 counted buildings into the percentiles shown above for Cream Ridge. The exposure-zones guide covers what Cream Ridge's dominant direct exposure actually means, with real examples from across the dataset.