Morristown, NJ
Morristown wildfire risk explained
Morristown sits at the 27th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 4,010 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morristown at the 27th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Morristown (62.3% of 4,010 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 27.6% sit in the Direct zone.
How Morristown compares
Morristown's risk sits at a similar level relative to New Jersey (20th percentile statewide) as it does nationally (27th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Morristown ranks 23,046 for wildfire risk (1 is highest) and 4,238 by building count (1 is largest). Within New Jersey alone, it ranks 560 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Morristown and the insurance market
At the 27th national percentile, Morristown rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 62.3% of Morristown's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,010 counted buildings into the percentiles shown above for Morristown. For more on what indirect exposure implies beyond Morristown, see the exposure-zones guide.