Andover, NJ
Andover, NJ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Andover lands at the 38th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 339 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Andover's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 74% of Andover's buildings as Direct exposure, higher than its 26% Indirect share and far above its 0% Minimal share — a profile where 251 structures sit close enough to vegetation that lot clearing matters most.
How Andover compares
There's little gap between Andover's 38th national percentile and its 40th 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, Andover ranks 19,571 for wildfire risk (1 is highest) and 20,598 by building count (1 is largest). Within New Jersey alone, it ranks 423 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Andover
Andover's moderate wildfire rating (38th 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
Because Direct exposure dominates in Andover (74%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 339 counted buildings into the percentiles shown above for Andover. For more on what direct exposure implies beyond Andover, see the exposure-zones guide.