White Meadow Lake, NJ
How exposed is White Meadow Lake to wildfire?
White Meadow Lake sits at the 37th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 3,295 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts White Meadow Lake at the 36th percentile, close to its 37th-percentile risk score.
What "at risk" means for the buildings here
Of White Meadow Lake's 3,295 counted buildings, 72.4% carry Direct exposure and only 0.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How White Meadow Lake compares
There's little gap between White Meadow Lake's 37th national percentile and its 38th 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, White Meadow Lake ranks 19,762 for wildfire risk (1 is highest) and 5,056 by building count (1 is largest). Within New Jersey alone, it ranks 435 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
White Meadow Lake's moderate rating (37th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
White Meadow Lake's 72.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where White Meadow Lake's figures come from
The methodology guide shows exactly how USFS turned 3,295 counted buildings into the percentiles shown above for White Meadow Lake. The exposure-zones guide covers what White Meadow Lake's dominant direct exposure actually means, with real examples from across the dataset.