Loch Arbour, NJ
Loch Arbour, NJ's wildfire risk, in USFS's own numbers
Loch Arbour sits at the 52nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 228 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Loch Arbour at the 57th percentile, close to its 52nd-percentile risk score.
What "at risk" means for the buildings here
Loch Arbour rates 98.7% Minimal exposure against just 1.3% Direct and 0% Indirect — of 228 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Loch Arbour ranks
Loch Arbour's risk sits at a similar level relative to New Jersey (60th 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, Loch Arbour ranks 15,004 for wildfire risk (1 is highest) and 23,863 by building count (1 is largest). Within New Jersey alone, it ranks 278 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Loch Arbour
Loch Arbour's elevated rating (52nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Loch Arbour
Even with 98.7% of Loch Arbour outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Loch Arbour's figures come from
The methodology guide shows exactly how USFS turned 228 counted buildings into the percentiles shown above for Loch Arbour. The exposure-zones guide covers what Loch Arbour's dominant minimal exposure actually means, with real examples from across the dataset.