Closter, NJ
Closter, NJ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Closter lands at the 31st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 3,101 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Closter at the 30th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Closter: 50.3% of its 3,101 buildings, versus 34.4% Indirect and 15.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Closter against the rest of the country
There's little gap between Closter's 31st national percentile and its 28th 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, Closter ranks 21,620 for wildfire risk (1 is highest) and 5,289 by building count (1 is largest). Within New Jersey alone, it ranks 507 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
Closter's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Closter's 50.3% 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.
More on how this number was built
Closter's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Closter, see the exposure-zones guide.