Millstone, NJ
Millstone, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Millstone at the 34th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 234 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 Millstone at the 35th percentile, close to its 34th-percentile risk score.
Where Millstone's buildings actually sit
USFS classifies 95.3% of Millstone's buildings as Direct exposure, higher than its 4.7% Indirect share and far above its 0% Minimal share — a profile where 223 structures sit close enough to vegetation that lot clearing matters most.
Millstone against the rest of the country
There's little gap between Millstone's 34th 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, Millstone ranks 20,960 for wildfire risk (1 is highest) and 23,672 by building count (1 is largest). Within New Jersey alone, it ranks 474 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
Millstone's moderate wildfire rating (34th 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
Millstone's 95.3% 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 Millstone's figures come from
Every one of the two percentiles behind Millstone's 20,960-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Millstone's dominant direct exposure actually means, with real examples from across the dataset.