Encore at Monroe, NJ
Encore at Monroe wildfire risk explained
Out of every US place USFS scores, Encore at Monroe lands at the 50th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 401 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Encore at Monroe's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
What "at risk" means for the buildings here
Most of Encore at Monroe's buildings (93.5% of 401) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Encore at Monroe against the rest of the country
There's little gap between Encore at Monroe's 50th national percentile and its 56th 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, Encore at Monroe ranks 15,819 for wildfire risk (1 is highest) and 19,189 by building count (1 is largest). Within New Jersey alone, it ranks 308 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Encore at Monroe and the insurance market
At the 50th national percentile, Encore at Monroe rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Encore at Monroe
Even with 93.5% of Encore at Monroe outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Encore at Monroe's 15,819-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Encore at Monroe, see the exposure-zones guide.