Upper Greenwood Lake, NJ
Upper Greenwood Lake, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Upper Greenwood Lake at the 47th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,703 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Upper Greenwood Lake at the 46th percentile, close to its 47th-percentile risk score.
What "at risk" means for the buildings here
1,703 buildings are counted in Upper Greenwood Lake, and 78.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.1% rated Minimal.
Where Upper Greenwood Lake ranks
There's little gap between Upper Greenwood Lake's 47th national percentile and its 53rd 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, Upper Greenwood Lake ranks 16,580 for wildfire risk (1 is highest) and 8,411 by building count (1 is largest). Within New Jersey alone, it ranks 331 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Upper Greenwood Lake and the insurance market
Upper Greenwood Lake's elevated wildfire rating (47th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 78.3% of Upper Greenwood Lake 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,703 counted buildings into the percentiles shown above for Upper Greenwood Lake. For more on what direct exposure implies beyond Upper Greenwood Lake, see the exposure-zones guide.