Harlingen, NJ
Harlingen, NJ's wildfire risk, in USFS's own numbers
Harlingen sits at the 29th 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 207 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harlingen at the 30th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Harlingen's buildings actually sit
Direct exposure dominates in Harlingen: 82.1% of its 207 buildings, versus 17.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Harlingen ranks
There's little gap between Harlingen's 29th national percentile and its 24th 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, Harlingen ranks 22,281 for wildfire risk (1 is highest) and 24,609 by building count (1 is largest). Within New Jersey alone, it ranks 531 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
Harlingen's moderate wildfire rating (29th 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.
Hardening a home in Harlingen
Harlingen's 82.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Harlingen's figures come from
Harlingen's 29th-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 Harlingen's dominant direct exposure actually means, with real examples from across the dataset.