Dutch Neck, NJ
How exposed is Dutch Neck to wildfire?
Dutch Neck's 95 buildings earn a 55th-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.)
Separately from the risk score above, Dutch Neck's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Where Dutch Neck's buildings actually sit
100% of Dutch Neck's 95 buildings sit in USFS's Direct exposure zone, roughly 95 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Dutch Neck against the rest of the country
Dutch Neck's risk sits at a similar level relative to New Jersey (64th percentile statewide) as it does nationally (55th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Dutch Neck ranks 14,338 for wildfire risk (1 is highest) and 29,280 by building count (1 is largest). Within New Jersey alone, it ranks 254 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Dutch Neck
Dutch Neck's elevated rating (55th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Dutch Neck (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Dutch Neck's figures come from
Every one of the two percentiles behind Dutch Neck's 14,338-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Dutch Neck's dominant direct exposure actually means, with real examples from across the dataset.