Ledgewood, NJ
Ledgewood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Ledgewood at the 28th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,525 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ledgewood at the 27th percentile, close to its 28th-percentile risk score.
Where Ledgewood's buildings actually sit
USFS classifies 65.6% of Ledgewood's buildings as Direct exposure, higher than its 34.4% Indirect share and far above its 0% Minimal share — a profile where 1,001 structures sit close enough to vegetation that lot clearing matters most.
Where Ledgewood ranks
Ledgewood scores 28th nationally and 23rd 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, Ledgewood ranks 22,605 for wildfire risk (1 is highest) and 9,062 by building count (1 is largest). Within New Jersey alone, it ranks 539 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Ledgewood and the insurance market
Ledgewood's moderate wildfire rating (28th 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
Ledgewood's 65.6% 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 Ledgewood's figures come from
The methodology guide shows exactly how USFS turned 1,525 counted buildings into the percentiles shown above for Ledgewood. The exposure-zones guide covers what Ledgewood's dominant direct exposure actually means, with real examples from across the dataset.