Spring Lake, NJ
Spring Lake, NJ's wildfire risk, in USFS's own numbers
Spring Lake's 2,593 buildings earn a 52nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spring Lake at the 54th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Spring Lake's building exposure, zone by zone
97.2% of Spring Lake's 2,593 buildings sit in USFS's Minimal exposure zone, with only 2.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Spring Lake against the rest of the country
Spring Lake's risk sits at a similar level relative to New Jersey (60th percentile statewide) as it does nationally (52nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Spring Lake ranks 15,073 for wildfire risk (1 is highest) and 6,117 by building count (1 is largest). Within New Jersey alone, it ranks 281 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Spring Lake and the insurance market
Spring Lake's elevated rating (52nd 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
Spring Lake's 97.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,593 counted buildings into the percentiles shown above for Spring Lake. For more on what minimal exposure implies beyond Spring Lake, see the exposure-zones guide.