Gloucester City, NJ
How exposed is Gloucester City to wildfire?
USFS's Wildfire Risk to Communities model puts Gloucester City at the 44th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 3,679 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gloucester City at the 45th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Gloucester City's buildings actually sit
Only 2.1% of Gloucester City's 3,679 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Gloucester City ranks
There's little gap between Gloucester City's 44th national percentile and its 49th percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Gloucester City ranks 17,617 for wildfire risk (1 is highest) and 4,550 by building count (1 is largest). Within New Jersey alone, it ranks 360 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Gloucester City and the insurance market
Gloucester City'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.
What would actually reduce this score
Even with 97.9% of Gloucester City outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Gloucester City's figures come from
Gloucester City'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 Gloucester City's dominant minimal exposure actually means, with real examples from across the dataset.