Packanack Lake, NJ
Packanack Lake, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Packanack Lake at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,320 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Packanack Lake at the 22nd percentile, close to its 21st-percentile risk score.
Where Packanack Lake's buildings actually sit
USFS classifies 62.5% of Packanack Lake's buildings as Direct exposure, higher than its 0% Indirect share and far above its 37.5% Minimal share — a profile where 1,450 structures sit close enough to vegetation that lot clearing matters most.
Packanack Lake against the rest of the country
Packanack Lake scores 21st nationally and 7th 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, Packanack Lake ranks 24,869 for wildfire risk (1 is highest) and 6,662 by building count (1 is largest). Within New Jersey alone, it ranks 650 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Packanack Lake
Packanack Lake's moderate wildfire rating (21st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 62.5% of Packanack Lake in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Packanack Lake's figures come from
Every one of the two percentiles behind Packanack Lake's 24,869-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Packanack Lake's dominant direct exposure actually means, with real examples from across the dataset.