Middlebush, NJ
Middlebush wildfire risk explained
USFS's Wildfire Risk to Communities model puts Middlebush at the 33rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 952 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Middlebush at the 34th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Middlebush's buildings actually sit
Direct exposure dominates in Middlebush: 62.6% of its 952 buildings, versus 1.7% Indirect and 35.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Middlebush compares
There's little gap between Middlebush's 33rd national percentile and its 32nd 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, Middlebush ranks 21,056 for wildfire risk (1 is highest) and 12,294 by building count (1 is largest). Within New Jersey alone, it ranks 481 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
Middlebush's moderate rating (33rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Middlebush
Middlebush's 62.6% 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 Middlebush's figures come from
Middlebush's 33rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Middlebush's dominant direct exposure actually means, with real examples from across the dataset.