Clementon, NJ
Clementon wildfire risk explained
Clementon sits at the 59th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,715 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clementon at the 60th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 58.1% of Clementon's 1,715 buildings in the Indirect exposure zone, versus 41.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Clementon compares
Clementon scores 59th nationally and 68th 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, Clementon ranks 12,961 for wildfire risk (1 is highest) and 8,369 by building count (1 is largest). Within New Jersey alone, it ranks 224 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
Clementon's elevated wildfire rating (59th 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 58.1% of Clementon'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.
Where Clementon's figures come from
Every one of the two percentiles behind Clementon's 12,961-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Clementon's dominant indirect exposure actually means, with real examples from across the dataset.