Pemberton Heights, NJ
Pemberton Heights wildfire risk explained
USFS scores Pemberton Heights at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 832 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pemberton Heights at the 76th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
832 buildings are counted in Pemberton Heights, and 73.6% of them are Indirect exposure — ember-driven risk rather than the 26.4% in Direct exposure or the 0% rated Minimal.
How Pemberton Heights compares
Pemberton Heights's risk sits at a similar level relative to New Jersey (83rd percentile statewide) as it does nationally (77th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Pemberton Heights ranks 7,222 for wildfire risk (1 is highest) and 13,328 by building count (1 is largest). Within New Jersey alone, it ranks 118 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Pemberton Heights and the insurance market
Pemberton Heights's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Pemberton Heights
Pemberton Heights's 73.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 832 counted buildings into the percentiles shown above for Pemberton Heights. For more on what indirect exposure implies beyond Pemberton Heights, see the exposure-zones guide.