Milltown, NJ
Milltown, NJ's wildfire risk, in USFS's own numbers
USFS scores Milltown at the 43rd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 2,809 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Milltown's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
Milltown's building exposure, zone by zone
2,809 buildings are counted in Milltown, and 89.8% of them are Indirect exposure — ember-driven risk rather than the 10.2% in Direct exposure or the 0% rated Minimal.
Where Milltown ranks
Milltown scores 43rd nationally and 47th 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, Milltown ranks 17,907 for wildfire risk (1 is highest) and 5,745 by building count (1 is largest). Within New Jersey alone, it ranks 372 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 43rd national percentile, Milltown 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 Milltown
With ember exposure the dominant pattern in Milltown (89.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Milltown's figures come from
Every one of the two percentiles behind Milltown's 17,907-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Milltown's dominant indirect exposure actually means, with real examples from across the dataset.