Harmony, NJ
Harmony wildfire risk explained
USFS's Wildfire Risk to Communities model puts Harmony at the 32nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 254 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harmony at the 31st national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Harmony's building exposure, zone by zone
Of Harmony's 254 counted buildings, 94.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Harmony compares
Harmony scores 32nd nationally and 28th 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, Harmony ranks 21,555 for wildfire risk (1 is highest) and 23,023 by building count (1 is largest). Within New Jersey alone, it ranks 502 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Harmony
Harmony's moderate wildfire rating (32nd 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 Harmony
Because Direct exposure dominates in Harmony (94.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Harmony's 32nd-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 Harmony, see the exposure-zones guide.