Germania, NJ
Germania, NJ's wildfire risk, in USFS's own numbers
Germania sits at the 84th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 248 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Germania at the 83rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Germania's buildings actually sit
248 buildings are counted in Germania, and 92.7% 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% rated Minimal.
How Germania compares
Germania scores 84th nationally and 88th 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, Germania ranks 5,019 for wildfire risk (1 is highest) and 23,214 by building count (1 is largest). Within New Jersey alone, it ranks 83 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
Germania's very high rating (84th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Germania
With 92.7% of Germania 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
Germania's 84th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Germania, see the exposure-zones guide.