Pine Ridge at Crestwood, NJ
How exposed is Pine Ridge at Crestwood to wildfire?
Pine Ridge at Crestwood sits at the 97th 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 1,472 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 Ridge at Crestwood at the 95th percentile, close to its 97th-percentile risk score.
What "at risk" means for the buildings here
1,472 buildings are counted in Pine Ridge at Crestwood, and 96.6% of them are Indirect exposure — ember-driven risk rather than the 3.4% in Direct exposure or the 0% rated Minimal.
Pine Ridge at Crestwood against the rest of the country
There's little gap between Pine Ridge at Crestwood's 97th national percentile and its 100th 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 Ridge at Crestwood ranks 975 for wildfire risk (1 is highest) and 9,301 by building count (1 is largest). Within New Jersey alone, it ranks 4 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
At the 97th percentile nationally, Pine Ridge at Crestwood carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Pine Ridge at Crestwood (96.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Pine Ridge at Crestwood's figures come from
Pine Ridge at Crestwood's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Pine Ridge at Crestwood's dominant indirect exposure actually means, with real examples from across the dataset.