Holiday City South, NJ
Holiday City South, NJ's wildfire risk, in USFS's own numbers
USFS scores Holiday City South at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,599 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holiday City South at the 93rd national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Holiday City South's building exposure, zone by zone
2,599 buildings are counted in Holiday City South, and 81.8% of them are Indirect exposure — ember-driven risk rather than the 3.2% in Direct exposure or the 14.9% rated Minimal.
Holiday City South against the rest of the country
Holiday City South's risk sits at a similar level relative to New Jersey (99th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Holiday City South ranks 1,359 for wildfire risk (1 is highest) and 6,101 by building count (1 is largest). Within New Jersey alone, it ranks 8 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Holiday City South
Holiday City South'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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Holiday City South (81.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Holiday City South's figures come from
The methodology guide shows exactly how USFS turned 2,599 counted buildings into the percentiles shown above for Holiday City South. The exposure-zones guide covers what Holiday City South's dominant indirect exposure actually means, with real examples from across the dataset.