Laurence Harbor, NJ
How exposed is Laurence Harbor to wildfire?
USFS scores Laurence Harbor at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 2,381 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Laurence Harbor at the 65th national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Laurence Harbor's buildings actually sit
Most of Laurence Harbor's buildings (82.7% of 2,381) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Laurence Harbor against the rest of the country
Laurence Harbor's risk sits at a similar level relative to New Jersey (79th percentile statewide) as it does nationally (70th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Laurence Harbor ranks 9,493 for wildfire risk (1 is highest) and 6,547 by building count (1 is largest). Within New Jersey alone, it ranks 145 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
Laurence Harbor's high rating (70th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Laurence Harbor
Laurence Harbor's 82.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Laurence Harbor's 9,493-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Laurence Harbor, see the exposure-zones guide.