Silver Lake (Cumberland), NJ
Silver Lake (Cumberland), NJ's wildfire risk, in USFS's own numbers
Silver Lake (Cumberland) sits at the 51st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 643 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Silver Lake (Cumberland) at the 52nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Silver Lake (Cumberland)'s buildings actually sit
Direct exposure dominates in Silver Lake (Cumberland): 92.9% of its 643 buildings, versus 7.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Silver Lake (Cumberland) against the rest of the country
Silver Lake (Cumberland)'s risk sits at a similar level relative to New Jersey (59th percentile statewide) as it does nationally (51st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Silver Lake (Cumberland) ranks 15,320 for wildfire risk (1 is highest) and 15,286 by building count (1 is largest). Within New Jersey alone, it ranks 291 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Silver Lake (Cumberland) and the insurance market
Silver Lake (Cumberland)'s elevated rating (51st 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
Silver Lake (Cumberland)'s 92.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 643 counted buildings into the percentiles shown above for Silver Lake (Cumberland). For more on what direct exposure implies beyond Silver Lake (Cumberland), see the exposure-zones guide.