Silver Ridge, NJ
Silver Ridge, NJ's wildfire risk, in USFS's own numbers
USFS scores Silver Ridge at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 829 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Silver Ridge at the 87th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Silver Ridge's building exposure, zone by zone
Only 3.4% of Silver Ridge's 829 buildings carry Direct exposure and 0.2% carry Indirect; the remaining 96.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Silver Ridge against the rest of the country
There's little gap between Silver Ridge's 91st national percentile and its 96th 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, Silver Ridge ranks 2,897 for wildfire risk (1 is highest) and 13,358 by building count (1 is largest). Within New Jersey alone, it ranks 28 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
Silver Ridge's 91st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Silver Ridge
With 96.4% of buildings rated Minimal exposure, Silver Ridge gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Silver Ridge's figures come from
The methodology guide shows exactly how USFS turned 829 counted buildings into the percentiles shown above for Silver Ridge. The exposure-zones guide covers what Silver Ridge's dominant minimal exposure actually means, with real examples from across the dataset.