Hopatcong, NJ
How exposed is Hopatcong to wildfire?
Out of every US place USFS scores, Hopatcong lands at the 36th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 6,499 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hopatcong at the 34th percentile, close to its 36th-percentile risk score.
What "at risk" means for the buildings here
6,499 buildings are counted in Hopatcong, and 59.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 3.9% rated Minimal. At 6,499 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Hopatcong compares
There's little gap between Hopatcong's 36th national percentile and its 36th 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, Hopatcong ranks 20,107 for wildfire risk (1 is highest) and 2,671 by building count (1 is largest). Within New Jersey alone, it ranks 447 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
Hopatcong's moderate wildfire rating (36th 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
With 59.6% of Hopatcong in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Hopatcong's 36th-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 Hopatcong, see the exposure-zones guide.