Oak Valley, NJ
Oak Valley wildfire risk explained
USFS's Wildfire Risk to Communities model puts Oak Valley at the 52nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,341 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oak Valley at the 53rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Oak Valley's buildings actually sit
USFS classifies 93.6% of Oak Valley's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Oak Valley ranks
There's little gap between Oak Valley's 52nd national percentile and its 59th percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oak Valley ranks 15,289 for wildfire risk (1 is highest) and 9,877 by building count (1 is largest). Within New Jersey alone, it ranks 288 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Oak Valley and the insurance market
At the 52nd national percentile, Oak Valley 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
Even with 93.6% of Oak Valley 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.
More on how this number was built
Oak Valley's 52nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Oak Valley, see the exposure-zones guide.