Delmont, NJ
Delmont wildfire risk explained
USFS's Wildfire Risk to Communities model puts Delmont at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 113 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 Delmont at the 84th percentile, close to its 87th-percentile risk score.
Where Delmont's buildings actually sit
USFS classifies 100% of Delmont's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 113 structures sit close enough to vegetation that lot clearing matters most.
Delmont against the rest of the country
Delmont's risk sits at a similar level relative to New Jersey (93rd percentile statewide) as it does nationally (87th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Delmont ranks 4,225 for wildfire risk (1 is highest) and 28,513 by building count (1 is largest). Within New Jersey alone, it ranks 51 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
Delmont's very high rating (87th 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.
What would actually reduce this score
With 100% of Delmont in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Delmont's 87th-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 Delmont, see the exposure-zones guide.