Frenchtown, NJ
Frenchtown wildfire risk explained
Frenchtown sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 664 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Frenchtown at the 23rd percentile, close to its 24th-percentile risk score.
Where Frenchtown's buildings actually sit
664 buildings are counted in Frenchtown, and 51.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.2% rated Minimal.
Frenchtown against the rest of the country
Frenchtown scores 24th nationally and 13th within New Jersey — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Frenchtown ranks 23,892 for wildfire risk (1 is highest) and 15,017 by building count (1 is largest). Within New Jersey alone, it ranks 605 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
Frenchtown's moderate wildfire rating (24th 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
With 51.2% of Frenchtown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Frenchtown's 23,892-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Frenchtown, see the exposure-zones guide.