Hope, NJ
How exposed is Hope to wildfire?
USFS scores Hope at the 40th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 184 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hope at the 41st 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 Hope: 70.1% of its 184 buildings, versus 29.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Hope ranks
Hope scores 40th nationally and 44th 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, Hope ranks 18,846 for wildfire risk (1 is highest) and 25,475 by building count (1 is largest). Within New Jersey alone, it ranks 395 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
Hope's elevated wildfire rating (40th 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 70.1% of Hope 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
Every one of the two percentiles behind Hope's 18,846-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Hope, see the exposure-zones guide.