Hillsdale, NJ
Hillsdale, NJ's wildfire risk, in USFS's own numbers
Hillsdale sits at the 23rd 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 3,638 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hillsdale at the 24th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hillsdale's buildings actually sit
USFS classifies 54.6% of Hillsdale's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 45.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Hillsdale ranks
There's little gap between Hillsdale's 23rd national percentile and its 12th 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, Hillsdale ranks 24,179 for wildfire risk (1 is highest) and 4,607 by building count (1 is largest). Within New Jersey alone, it ranks 619 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Hillsdale
Hillsdale'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.
Lowering exposure, not just insuring around it
With 54.6% of buildings rated Minimal exposure, Hillsdale gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,638 counted buildings into the percentiles shown above for Hillsdale. For more on what minimal exposure implies beyond Hillsdale, see the exposure-zones guide.