Franklin, NJ
Franklin wildfire risk explained
USFS scores Franklin at the 44th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,936 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Franklin's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
Where Franklin's buildings actually sit
Most of Franklin's buildings (56.7%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Franklin compares
Franklin's risk sits at a similar level relative to New Jersey (48th percentile statewide) as it does nationally (44th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Franklin ranks 17,747 for wildfire risk (1 is highest) and 7,657 by building count (1 is largest). Within New Jersey alone, it ranks 365 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Franklin
Franklin's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Franklin's 56.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Franklin's figures come from
Franklin's 44th-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 Franklin's dominant indirect exposure actually means, with real examples from across the dataset.