Milford, NJ
Milford, NJ's wildfire risk, in USFS's own numbers
Milford's 598 buildings earn a 27th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Milford at the 26th percentile, close to its 27th-percentile risk score.
What "at risk" means for the buildings here
598 buildings are counted in Milford, and 64.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Milford compares
Milford scores 27th nationally and 20th 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, Milford ranks 23,007 for wildfire risk (1 is highest) and 15,864 by building count (1 is largest). Within New Jersey alone, it ranks 558 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
Milford's moderate wildfire rating (27th 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.
Lowering exposure, not just insuring around it
With 64.7% of Milford in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Milford's figures come from
The methodology guide shows exactly how USFS turned 598 counted buildings into the percentiles shown above for Milford. The exposure-zones guide covers what Milford's dominant direct exposure actually means, with real examples from across the dataset.