Finesville, NJ
Finesville, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Finesville at the 28th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 241 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Finesville at the 26th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Finesville's buildings actually sit
241 buildings are counted in Finesville, and 94.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.4% rated Minimal.
How Finesville compares
There's little gap between Finesville's 28th national percentile and its 23rd percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Finesville ranks 22,634 for wildfire risk (1 is highest) and 23,435 by building count (1 is largest). Within New Jersey alone, it ranks 540 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
At the 28th national percentile, Finesville rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Finesville
Because Direct exposure dominates in Finesville (94.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Finesville's figures come from
Every one of the two percentiles behind Finesville's 22,634-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Finesville's dominant direct exposure actually means, with real examples from across the dataset.