Concordia, NJ
Concordia wildfire risk explained
USFS's Wildfire Risk to Communities model puts Concordia at the 66th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,006 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Concordia at the 65th percentile, close to its 66th-percentile risk score.
What "at risk" means for the buildings here
73.4% of Concordia's 1,006 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 10.5% Direct and 16.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Concordia against the rest of the country
Concordia's risk sits at a similar level relative to New Jersey (74th percentile statewide) as it does nationally (66th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Concordia ranks 10,874 for wildfire risk (1 is highest) and 11,890 by building count (1 is largest). Within New Jersey alone, it ranks 178 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Concordia and the insurance market
Concordia's high rating (66th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Concordia
Because 73.4% of Concordia'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
The methodology guide shows exactly how USFS turned 1,006 counted buildings into the percentiles shown above for Concordia. For more on what indirect exposure implies beyond Concordia, see the exposure-zones guide.