Ashland, NJ
Ashland wildfire risk explained
Out of every US place USFS scores, Ashland lands at the 48th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 2,963 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ashland's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Ashland's building exposure, zone by zone
USFS classifies 78.7% of Ashland's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 21.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Ashland compares
Ashland's risk sits at a similar level relative to New Jersey (54th percentile statewide) as it does nationally (48th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ashland ranks 16,357 for wildfire risk (1 is highest) and 5,497 by building count (1 is largest). Within New Jersey alone, it ranks 320 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
Ashland's elevated wildfire rating (48th 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.
Hardening a home in Ashland
Ashland's 78.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Ashland's 16,357-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Ashland, see the exposure-zones guide.