Lake Como, NJ
Lake Como wildfire risk explained
Lake Como's 1,016 buildings earn a 52nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Como's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
Lake Como's building exposure, zone by zone
USFS classifies 99.4% of Lake Como's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Lake Como against the rest of the country
Lake Como's risk sits at a similar level relative to New Jersey (59th percentile statewide) as it does nationally (52nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lake Como ranks 15,224 for wildfire risk (1 is highest) and 11,828 by building count (1 is largest). Within New Jersey alone, it ranks 284 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
At the 52nd national percentile, Lake Como 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 Lake Como
With 99.4% of buildings rated Minimal exposure, Lake Como gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,016 counted buildings into the percentiles shown above for Lake Como. For more on what minimal exposure implies beyond Lake Como, see the exposure-zones guide.