Clayton, NJ
Clayton, NJ's wildfire risk, in USFS's own numbers
Clayton sits at the 67th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,326 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clayton at the 67th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Clayton's buildings actually sit
USFS puts 51.2% of Clayton's 3,326 buildings in the Indirect exposure zone, versus 41% Direct and 7.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Clayton against the rest of the country
Clayton scores 67th nationally and 77th 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, Clayton ranks 10,406 for wildfire risk (1 is highest) and 5,009 by building count (1 is largest). Within New Jersey alone, it ranks 165 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Clayton and the insurance market
At the 67th percentile nationally, Clayton carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because 51.2% of Clayton's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Clayton's 67th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Clayton, see the exposure-zones guide.