Forsgate, NJ
Forsgate wildfire risk explained
Forsgate's 652 buildings earn a 51st-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Forsgate at the 51st percentile, close to its 51st-percentile risk score.
Forsgate's building exposure, zone by zone
63.8% of Forsgate's 652 buildings sit in USFS's Minimal exposure zone, with only 36.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Forsgate compares
There's little gap between Forsgate's 51st national percentile and its 58th 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, Forsgate ranks 15,417 for wildfire risk (1 is highest) and 15,177 by building count (1 is largest). Within New Jersey alone, it ranks 294 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
Forsgate's elevated wildfire rating (51st 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.
Lowering exposure, not just insuring around it
Even with 63.8% of Forsgate 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
The methodology guide shows exactly how USFS turned 652 counted buildings into the percentiles shown above for Forsgate. For more on what minimal exposure implies beyond Forsgate, see the exposure-zones guide.