Lake Hiawatha, NJ
Lake Hiawatha, NJ's wildfire risk, in USFS's own numbers
Lake Hiawatha's 2,680 buildings earn a 22nd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Hiawatha at the 23rd percentile, close to its 22nd-percentile risk score.
Lake Hiawatha's building exposure, zone by zone
82.4% of Lake Hiawatha's 2,680 buildings sit in USFS's Minimal exposure zone, with only 17.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Lake Hiawatha compares
Lake Hiawatha's risk sits at a similar level relative to New Jersey (8th percentile statewide) as it does nationally (22nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lake Hiawatha ranks 24,523 for wildfire risk (1 is highest) and 5,963 by building count (1 is largest). Within New Jersey alone, it ranks 644 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Lake Hiawatha and the insurance market
Lake Hiawatha's moderate rating (22nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Lake Hiawatha's 82.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Lake Hiawatha's figures come from
Every one of the two percentiles behind Lake Hiawatha's 24,523-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake Hiawatha's dominant minimal exposure actually means, with real examples from across the dataset.