Gibbstown, NJ
Gibbstown, NJ's wildfire risk, in USFS's own numbers
USFS scores Gibbstown at the 50th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,812 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gibbstown's burn probability — fire likelihood with no building count factored in — sits at the 50th percentile nationally.
What "at risk" means for the buildings here
Most of Gibbstown's buildings (83.2% of 1,812) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Gibbstown ranks
Gibbstown's risk sits at a similar level relative to New Jersey (57th percentile statewide) as it does nationally (50th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Gibbstown ranks 15,728 for wildfire risk (1 is highest) and 8,026 by building count (1 is largest). Within New Jersey alone, it ranks 303 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
At the 50th national percentile, Gibbstown rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Gibbstown's 83.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Gibbstown's 50th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Gibbstown, see the exposure-zones guide.