Finderne, NJ
How exposed is Finderne to wildfire?
Finderne sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,849 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Finderne at the 24th percentile, close to its 24th-percentile risk score.
What "at risk" means for the buildings here
Only 20.9% of Finderne's 1,849 buildings carry Direct exposure and 33.3% carry Indirect; the remaining 45.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Finderne compares
Finderne's risk sits at a similar level relative to New Jersey (14th percentile statewide) as it does nationally (24th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Finderne ranks 23,891 for wildfire risk (1 is highest) and 7,916 by building count (1 is largest). Within New Jersey alone, it ranks 604 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
Finderne's moderate wildfire rating (24th 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.
Hardening a home in Finderne
Even with 45.8% of Finderne outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Finderne's 23,891-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Finderne, see the exposure-zones guide.