Lake Mohawk, NJ
How exposed is Lake Mohawk to wildfire?
USFS scores Lake Mohawk at the 38th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 3,701 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Mohawk at the 36th 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
3,701 buildings are counted in Lake Mohawk, and 77.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.1% rated Minimal.
Where Lake Mohawk ranks
Lake Mohawk scores 38th nationally and 38th 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, Lake Mohawk ranks 19,698 for wildfire risk (1 is highest) and 4,519 by building count (1 is largest). Within New Jersey alone, it ranks 432 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 38th national percentile, Lake Mohawk rates moderate 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 Mohawk
With 77.6% of Lake Mohawk in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Lake Mohawk's 38th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Lake Mohawk, see the exposure-zones guide.