Morganville, NJ
Morganville, NJ's wildfire risk, in USFS's own numbers
Morganville sits at the 67th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,067 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morganville at the 66th percentile, close to its 67th-percentile risk score.
Where Morganville's buildings actually sit
Direct exposure dominates in Morganville: 63.8% of its 2,067 buildings, versus 24.3% Indirect and 12% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Morganville ranks
Morganville scores 67th nationally and 76th 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, Morganville ranks 10,536 for wildfire risk (1 is highest) and 7,294 by building count (1 is largest). Within New Jersey alone, it ranks 170 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Morganville and the insurance market
Morganville's high rating (67th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With 63.8% of Morganville 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.
More on how this number was built
Every one of the two percentiles behind Morganville's 10,536-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Morganville, see the exposure-zones guide.