Morris Plains, NJ
Morris Plains, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Morris Plains at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,257 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 Morris Plains at the 26th percentile, close to its 26th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Morris Plains: 63.9% of its 2,257 buildings, versus 0% Indirect and 36.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Morris Plains compares
Morris Plains's risk sits at a similar level relative to New Jersey (18th percentile statewide) as it does nationally (26th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Morris Plains ranks 23,360 for wildfire risk (1 is highest) and 6,801 by building count (1 is largest). Within New Jersey alone, it ranks 577 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Morris Plains and the insurance market
Morris Plains's moderate rating (26th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 63.9% of Morris Plains 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
The methodology guide shows exactly how USFS turned 2,257 counted buildings into the percentiles shown above for Morris Plains. For more on what direct exposure implies beyond Morris Plains, see the exposure-zones guide.