Lodi, NJ
How exposed is Lodi to wildfire?
Out of every US place USFS scores, Lodi lands at the 12th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 5,333 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lodi's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Lodi's building exposure, zone by zone
USFS classifies 99.6% of Lodi's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 5,333 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Lodi compares
Lodi scores 12th nationally and 0th 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, Lodi ranks 27,743 for wildfire risk (1 is highest) and 3,238 by building count (1 is largest). Within New Jersey alone, it ranks 698 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
At the 12th national percentile, Lodi rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Lodi
With 99.6% of buildings rated Minimal exposure, Lodi gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lodi's figures come from
The methodology guide shows exactly how USFS turned 5,333 counted buildings into the percentiles shown above for Lodi. The exposure-zones guide covers what Lodi's dominant minimal exposure actually means, with real examples from across the dataset.