Marmora, NJ
How exposed is Marmora to wildfire?
USFS's Wildfire Risk to Communities model puts Marmora at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,693 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 Marmora at the 85th percentile, close to its 90th-percentile risk score.
Marmora's building exposure, zone by zone
Indirect exposure is dominant in Marmora (79.7% of 1,693 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 20.3% sit in the Direct zone.
Marmora against the rest of the country
There's little gap between Marmora's 90th national percentile and its 95th percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Marmora ranks 3,218 for wildfire risk (1 is highest) and 8,444 by building count (1 is largest). Within New Jersey alone, it ranks 35 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Marmora
At the 90th percentile nationally, Marmora carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because 79.7% of Marmora's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Marmora's figures come from
Every one of the two percentiles behind Marmora's 3,218-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Marmora's dominant indirect exposure actually means, with real examples from across the dataset.