Three Bridges, NJ
Three Bridges, NJ's wildfire risk, in USFS's own numbers
USFS scores Three Bridges at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 209 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Three Bridges at the 29th percentile, close to its 28th-percentile risk score.
Where Three Bridges's buildings actually sit
USFS classifies 51.2% of Three Bridges's buildings as Direct exposure, higher than its 48.8% Indirect share and far above its 0% Minimal share — a profile where 107 structures sit close enough to vegetation that lot clearing matters most.
Three Bridges against the rest of the country
Three Bridges scores 28th nationally and 22nd 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, Three Bridges ranks 22,664 for wildfire risk (1 is highest) and 24,527 by building count (1 is largest). Within New Jersey alone, it ranks 546 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Three Bridges and the insurance market
At the 28th national percentile, Three Bridges rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 51.2% of Three Bridges 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 Three Bridges's figures come from
Every one of the two percentiles behind Three Bridges's 22,664-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Three Bridges's dominant direct exposure actually means, with real examples from across the dataset.