Haddonfield, NJ
Haddonfield, NJ's wildfire risk, in USFS's own numbers
Haddonfield's 4,632 buildings earn a 46th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Haddonfield at the 49th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Haddonfield's buildings actually sit
USFS classifies 67.9% of Haddonfield's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 32.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Haddonfield against the rest of the country
Haddonfield's risk sits at a similar level relative to New Jersey (51st percentile statewide) as it does nationally (46th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Haddonfield ranks 17,119 for wildfire risk (1 is highest) and 3,672 by building count (1 is largest). Within New Jersey alone, it ranks 348 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
Haddonfield's elevated wildfire rating (46th 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.
What would actually reduce this score
Even with 67.9% of Haddonfield 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 Haddonfield's figures come from
Every one of the two percentiles behind Haddonfield's 17,119-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Haddonfield's dominant minimal exposure actually means, with real examples from across the dataset.