Crosswicks, NJ
Crosswicks, NJ's wildfire risk, in USFS's own numbers
Crosswicks's 433 buildings earn a 60th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Crosswicks at the 60th percentile, close to its 60th-percentile risk score.
Crosswicks's building exposure, zone by zone
Of Crosswicks's 433 counted buildings, 77.4% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Crosswicks ranks
Crosswicks scores 60th nationally and 69th 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, Crosswicks ranks 12,769 for wildfire risk (1 is highest) and 18,588 by building count (1 is largest). Within New Jersey alone, it ranks 219 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
Crosswicks's elevated wildfire rating (60th 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
Crosswicks's 77.4% 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
The methodology guide shows exactly how USFS turned 433 counted buildings into the percentiles shown above for Crosswicks. For more on what direct exposure implies beyond Crosswicks, see the exposure-zones guide.