Haworth, NJ
How exposed is Haworth to wildfire?
USFS scores Haworth at the 23rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,267 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Haworth at the 24th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Haworth: 87.8% of its 1,267 buildings, versus 0% Indirect and 12.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Haworth against the rest of the country
Haworth scores 23rd nationally and 10th 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, Haworth ranks 24,302 for wildfire risk (1 is highest) and 10,264 by building count (1 is largest). Within New Jersey alone, it ranks 629 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Haworth and the insurance market
Haworth's moderate wildfire rating (23rd 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
Because Direct exposure dominates in Haworth (87.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Haworth's figures come from
The methodology guide shows exactly how USFS turned 1,267 counted buildings into the percentiles shown above for Haworth. The exposure-zones guide covers what Haworth's dominant direct exposure actually means, with real examples from across the dataset.