Holiday City-Berkeley, NJ
Holiday City-Berkeley, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Holiday City-Berkeley at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 9,052 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holiday City-Berkeley at the 94th 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
USFS puts 86.4% of Holiday City-Berkeley's 9,052 buildings in the Indirect exposure zone, versus 1.1% Direct and 12.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 9,052 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Holiday City-Berkeley compares
There's little gap between Holiday City-Berkeley's 96th national percentile and its 99th 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, Holiday City-Berkeley ranks 1,173 for wildfire risk (1 is highest) and 1,832 by building count (1 is largest). Within New Jersey alone, it ranks 6 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Holiday City-Berkeley and the insurance market
Holiday City-Berkeley's very high rating (96th 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.
What would actually reduce this score
Holiday City-Berkeley's 86.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 9,052 counted buildings into the percentiles shown above for Holiday City-Berkeley. For more on what indirect exposure implies beyond Holiday City-Berkeley, see the exposure-zones guide.