Milmay, NJ
Milmay wildfire risk explained
Milmay sits at the 86th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 694 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Milmay's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Milmay's building exposure, zone by zone
Direct exposure dominates in Milmay: 96.1% of its 694 buildings, versus 3.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Milmay compares
Milmay scores 86th nationally and 92nd 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, Milmay ranks 4,447 for wildfire risk (1 is highest) and 14,728 by building count (1 is largest). Within New Jersey alone, it ranks 61 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Milmay and the insurance market
At the 86th percentile nationally, Milmay carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Milmay
Milmay's 96.1% 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 Milmay's figures come from
Every one of the two percentiles behind Milmay's 4,447-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Milmay's dominant direct exposure actually means, with real examples from across the dataset.