Lopatcong Overlook, NJ
How exposed is Lopatcong Overlook to wildfire?
Out of every US place USFS scores, Lopatcong Overlook lands at the 19th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 55 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lopatcong Overlook at the 19th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
76.4% of Lopatcong Overlook's 55 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 20% Direct and 3.6% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Lopatcong Overlook against the rest of the country
Lopatcong Overlook's risk sits at a similar level relative to New Jersey (4th percentile statewide) as it does nationally (19th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lopatcong Overlook ranks 25,660 for wildfire risk (1 is highest) and 30,795 by building count (1 is largest). Within New Jersey alone, it ranks 671 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Lopatcong Overlook
Lopatcong Overlook's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With ember exposure the dominant pattern in Lopatcong Overlook (76.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Lopatcong Overlook's 19th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Lopatcong Overlook, see the exposure-zones guide.