Magnolia, NJ
Magnolia wildfire risk explained
Magnolia sits at the 47th 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 1,707 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Magnolia at the 50th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Magnolia's buildings actually sit
Magnolia rates 91.6% Minimal exposure against just 8.4% Direct and 0% Indirect — of 1,707 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Magnolia ranks
Magnolia's risk sits at a similar level relative to New Jersey (52nd percentile statewide) as it does nationally (47th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Magnolia ranks 16,675 for wildfire risk (1 is highest) and 8,398 by building count (1 is largest). Within New Jersey alone, it ranks 333 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Magnolia and the insurance market
Magnolia's elevated wildfire rating (47th 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.
What would actually reduce this score
With 91.6% of buildings rated Minimal exposure, Magnolia gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,707 counted buildings into the percentiles shown above for Magnolia. For more on what minimal exposure implies beyond Magnolia, see the exposure-zones guide.