Dover, NJ
Dover, NJ's wildfire risk, in USFS's own numbers
USFS scores Dover at the 26th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 4,245 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Dover at the 25th percentile, close to its 26th-percentile risk score.
Dover's building exposure, zone by zone
Dover rates 54.7% Minimal exposure against just 14.7% Direct and 30.6% Indirect — of 4,245 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Dover ranks
Dover's risk sits at a similar level relative to New Jersey (18th percentile statewide) as it does nationally (26th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Dover ranks 23,295 for wildfire risk (1 is highest) and 4,021 by building count (1 is largest). Within New Jersey alone, it ranks 573 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
Dover's moderate wildfire rating (26th 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.
What would actually reduce this score
Dover's 54.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Dover's figures come from
Every one of the two percentiles behind Dover's 23,295-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Dover's dominant minimal exposure actually means, with real examples from across the dataset.