Layton, NJ
How exposed is Layton to wildfire?
Layton sits at the 53rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 460 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Layton's burn probability — fire likelihood with no building count factored in — sits at the 52nd percentile nationally.
Layton's building exposure, zone by zone
Of Layton's 460 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Layton against the rest of the country
Layton's risk sits at a similar level relative to New Jersey (61st percentile statewide) as it does nationally (53rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Layton ranks 14,941 for wildfire risk (1 is highest) and 18,059 by building count (1 is largest). Within New Jersey alone, it ranks 273 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Layton
Layton's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Layton's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Layton's figures come from
The methodology guide shows exactly how USFS turned 460 counted buildings into the percentiles shown above for Layton. The exposure-zones guide covers what Layton's dominant direct exposure actually means, with real examples from across the dataset.