Victory Gardens, NJ
How exposed is Victory Gardens to wildfire?
Out of every US place USFS scores, Victory Gardens lands at the 26th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 247 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Victory Gardens at the 25th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Victory Gardens's buildings (78.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Victory Gardens ranks
There's little gap between Victory Gardens's 26th national percentile and its 17th 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, Victory Gardens ranks 23,391 for wildfire risk (1 is highest) and 23,239 by building count (1 is largest). Within New Jersey alone, it ranks 579 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
Victory Gardens's moderate rating (26th 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
Victory Gardens's 78.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Victory Gardens's 23,391-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Victory Gardens, see the exposure-zones guide.