Pine Lake Park, NJ
Pine Lake Park wildfire risk explained
Pine Lake Park sits at the 87th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 3,085 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 Pine Lake Park at the 82nd percentile, close to its 87th-percentile risk score.
Pine Lake Park's building exposure, zone by zone
Only 4% of Pine Lake Park's 3,085 buildings carry Direct exposure and 39.7% carry Indirect; the remaining 56.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Pine Lake Park compares
Pine Lake Park's risk sits at a similar level relative to New Jersey (92nd percentile statewide) as it does nationally (87th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Pine Lake Park ranks 4,250 for wildfire risk (1 is highest) and 5,306 by building count (1 is largest). Within New Jersey alone, it ranks 54 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Pine Lake Park and the insurance market
Pine Lake Park's very high rating (87th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Pine Lake Park
Even with 56.3% of Pine Lake Park 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.
Where Pine Lake Park's figures come from
Every one of the two percentiles behind Pine Lake Park's 4,250-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Pine Lake Park's dominant minimal exposure actually means, with real examples from across the dataset.