Florence, NJ
Florence, NJ's wildfire risk, in USFS's own numbers
Florence's 1,505 buildings earn a 56th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Florence at the 56th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Florence's buildings (91.8% of 1,505) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Florence against the rest of the country
There's little gap between Florence's 56th national percentile and its 65th 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, Florence ranks 13,871 for wildfire risk (1 is highest) and 9,151 by building count (1 is largest). Within New Jersey alone, it ranks 243 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
Florence's elevated wildfire rating (56th 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 Florence
Even with 91.8% of Florence 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
Florence's 56th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Florence, see the exposure-zones guide.