English Creek, NJ
English Creek wildfire risk explained
English Creek sits at the 89th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,508 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts English Creek at the 86th percentile, close to its 89th-percentile risk score.
English Creek's building exposure, zone by zone
Direct exposure dominates in English Creek: 62.5% of its 1,508 buildings, versus 37.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where English Creek ranks
There's little gap between English Creek's 89th national percentile and its 95th 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, English Creek ranks 3,407 for wildfire risk (1 is highest) and 9,128 by building count (1 is largest). Within New Jersey alone, it ranks 39 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
English Creek and the insurance market
English Creek's very high rating (89th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in English Creek (62.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where English Creek's figures come from
Every one of the two percentiles behind English Creek's 3,407-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what English Creek's dominant direct exposure actually means, with real examples from across the dataset.