Victory Lakes, NJ
How exposed is Victory Lakes to wildfire?
USFS's Wildfire Risk to Communities model puts Victory Lakes at the 80th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 833 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Victory Lakes's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Where Victory Lakes's buildings actually sit
Direct exposure dominates in Victory Lakes: 90.5% of its 833 buildings, versus 7.8% Indirect and 1.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Victory Lakes compares
Victory Lakes scores 80th nationally and 85th 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, Victory Lakes ranks 6,273 for wildfire risk (1 is highest) and 13,318 by building count (1 is largest). Within New Jersey alone, it ranks 104 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 Lakes's 80th-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.
Lowering exposure, not just insuring around it
With 90.5% of Victory Lakes 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 833 counted buildings into the percentiles shown above for Victory Lakes. For more on what direct exposure implies beyond Victory Lakes, see the exposure-zones guide.