Mystic Island, NJ
Mystic Island, NJ's wildfire risk, in USFS's own numbers
USFS scores Mystic Island at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 5,155 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mystic Island at the 93rd percentile, close to its 95th-percentile risk score.
Mystic Island's building exposure, zone by zone
Indirect exposure is dominant in Mystic Island (92% of 5,155 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 6.6% sit in the Direct zone. At 5,155 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Mystic Island ranks
Mystic Island's risk sits at a similar level relative to New Jersey (98th percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mystic Island ranks 1,514 for wildfire risk (1 is highest) and 3,344 by building count (1 is largest). Within New Jersey alone, it ranks 12 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
Mystic Island's very high rating (95th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Mystic Island (92% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Mystic Island's figures come from
Every one of the two percentiles behind Mystic Island's 1,514-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mystic Island's dominant indirect exposure actually means, with real examples from across the dataset.