Folsom, NJ
Folsom, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Folsom at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,068 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Folsom's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Where Folsom's buildings actually sit
69.9% of Folsom's 1,068 buildings sit in USFS's Direct exposure zone, roughly 746 structures close enough to burnable vegetation for flame contact, not just embers — 30.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Folsom compares
There's little gap between Folsom's 86th national percentile and its 92nd 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, Folsom ranks 4,324 for wildfire risk (1 is highest) and 11,473 by building count (1 is largest). Within New Jersey alone, it ranks 55 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Folsom
Folsom's 86th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Folsom
Because Direct exposure dominates in Folsom (69.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Folsom's figures come from
Folsom's 86th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Folsom's dominant direct exposure actually means, with real examples from across the dataset.