Mendham, NJ
Mendham wildfire risk explained
USFS's Wildfire Risk to Communities model puts Mendham at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,085 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mendham's burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
What "at risk" means for the buildings here
87.8% of Mendham's 2,085 buildings sit in USFS's Direct exposure zone, roughly 1,831 structures close enough to burnable vegetation for flame contact, not just embers — 12.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Mendham compares
Mendham scores 41st nationally and 45th 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, Mendham ranks 18,658 for wildfire risk (1 is highest) and 7,235 by building count (1 is largest). Within New Jersey alone, it ranks 389 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 41st national percentile, Mendham rates elevated 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 Mendham
Mendham's 87.8% 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.
More on how this number was built
Mendham's 41st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Mendham, see the exposure-zones guide.