Clyde, NJ
How exposed is Clyde to wildfire?
Clyde's 143 buildings earn a 33rd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clyde at the 34th percentile, close to its 33rd-percentile risk score.
Where Clyde's buildings actually sit
50.3% of Clyde's 143 buildings sit in USFS's Direct exposure zone, roughly 72 structures close enough to burnable vegetation for flame contact, not just embers — 2.1% fall in the Indirect, ember-only zone and 47.6% are Minimal.
Clyde against the rest of the country
There's little gap between Clyde's 33rd national percentile and its 30th 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, Clyde ranks 21,206 for wildfire risk (1 is highest) and 27,166 by building count (1 is largest). Within New Jersey alone, it ranks 489 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
Clyde's moderate wildfire rating (33rd 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Clyde (50.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Clyde's figures come from
Every one of the two percentiles behind Clyde's 21,206-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Clyde's dominant direct exposure actually means, with real examples from across the dataset.