Garwood, NJ
Garwood wildfire risk explained
Garwood sits at the 23rd 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 1,703 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 Garwood at the 25th percentile, close to its 23rd-percentile risk score.
Where Garwood's buildings actually sit
Only 3.1% of Garwood's 1,703 buildings carry Direct exposure and 0% carry Indirect; the remaining 96.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Garwood compares
Garwood scores 23rd nationally and 9th 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, Garwood ranks 24,337 for wildfire risk (1 is highest) and 8,410 by building count (1 is largest). Within New Jersey alone, it ranks 633 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Garwood and the insurance market
At the 23rd national percentile, Garwood rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Garwood
With 96.9% of buildings rated Minimal exposure, Garwood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,703 counted buildings into the percentiles shown above for Garwood. For more on what minimal exposure implies beyond Garwood, see the exposure-zones guide.