Mount Ephraim, NJ
Mount Ephraim wildfire risk explained
Out of every US place USFS scores, Mount Ephraim lands at the 43rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 1,890 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Ephraim at the 46th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Mount Ephraim's buildings actually sit
USFS classifies 96% of Mount Ephraim's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Mount Ephraim ranks
Mount Ephraim's risk sits at a similar level relative to New Jersey (47th percentile statewide) as it does nationally (43rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mount Ephraim ranks 17,908 for wildfire risk (1 is highest) and 7,792 by building count (1 is largest). Within New Jersey alone, it ranks 373 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
Mount Ephraim's elevated wildfire rating (43rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Mount Ephraim's 96% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Mount Ephraim's figures come from
Every one of the two percentiles behind Mount Ephraim's 17,908-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mount Ephraim's dominant minimal exposure actually means, with real examples from across the dataset.