Rainbow Lakes, NJ
Rainbow Lakes, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Rainbow Lakes at the 23rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 522 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rainbow Lakes at the 23rd national percentile — 0 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
USFS classifies 67.1% of Rainbow Lakes's buildings as Direct exposure, higher than its 24.3% Indirect share and far above its 8.6% Minimal share — a profile where 350 structures sit close enough to vegetation that lot clearing matters most.
Where Rainbow Lakes ranks
Rainbow Lakes scores 23rd nationally and 11th 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, Rainbow Lakes ranks 24,205 for wildfire risk (1 is highest) and 16,995 by building count (1 is largest). Within New Jersey alone, it ranks 624 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
Rainbow Lakes's moderate rating (23rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 67.1% of Rainbow Lakes 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 Rainbow Lakes's figures come from
Every one of the two percentiles behind Rainbow Lakes's 24,205-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Rainbow Lakes's dominant direct exposure actually means, with real examples from across the dataset.