Estell Manor, NJ
How exposed is Estell Manor to wildfire?
USFS scores Estell Manor at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,306 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Estell Manor's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Estell Manor's buildings actually sit
99.9% of Estell Manor's 1,306 buildings sit in USFS's Direct exposure zone, roughly 1,304 structures close enough to burnable vegetation for flame contact, not just embers — 0.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Estell Manor compares
Estell Manor scores 89th nationally and 94th within New Jersey — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Estell Manor ranks 3,471 for wildfire risk (1 is highest) and 10,047 by building count (1 is largest). Within New Jersey alone, it ranks 40 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
Estell Manor's 89th-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
Because Direct exposure dominates in Estell Manor (99.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Estell Manor's figures come from
The methodology guide shows exactly how USFS turned 1,306 counted buildings into the percentiles shown above for Estell Manor. The exposure-zones guide covers what Estell Manor's dominant direct exposure actually means, with real examples from across the dataset.