Oak Ridge, NJ
Oak Ridge, NJ's wildfire risk, in USFS's own numbers
Oak Ridge sits at the 44th 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 4,692 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 Oak Ridge at the 42nd percentile, close to its 44th-percentile risk score.
What "at risk" means for the buildings here
Of Oak Ridge's 4,692 counted buildings, 78.5% carry Direct exposure and only 0.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Oak Ridge against the rest of the country
Oak Ridge scores 44th nationally and 48th 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, Oak Ridge ranks 17,688 for wildfire risk (1 is highest) and 3,627 by building count (1 is largest). Within New Jersey alone, it ranks 363 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Oak Ridge
At the 44th national percentile, Oak Ridge rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Oak Ridge (78.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Oak Ridge's figures come from
The methodology guide shows exactly how USFS turned 4,692 counted buildings into the percentiles shown above for Oak Ridge. The exposure-zones guide covers what Oak Ridge's dominant direct exposure actually means, with real examples from across the dataset.