Pine Brook, NJ
How exposed is Pine Brook to wildfire?
Out of every US place USFS scores, Pine Brook lands at the 25th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,632 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pine Brook at the 27th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Pine Brook: 54.5% of its 1,632 buildings, versus 15.8% Indirect and 29.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Pine Brook ranks
There's little gap between Pine Brook's 25th national percentile and its 17th 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, Pine Brook ranks 23,517 for wildfire risk (1 is highest) and 8,644 by building count (1 is largest). Within New Jersey alone, it ranks 584 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
Pine Brook's moderate rating (25th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 54.5% of Pine Brook 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 Pine Brook's figures come from
Every one of the two percentiles behind Pine Brook's 23,517-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Pine Brook's dominant direct exposure actually means, with real examples from across the dataset.