Mount Hermon, NJ
Mount Hermon wildfire risk explained
Mount Hermon sits at the 42nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 112 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Hermon at the 44th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Mount Hermon's building exposure, zone by zone
Direct exposure dominates in Mount Hermon: 100% of its 112 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Mount Hermon against the rest of the country
There's little gap between Mount Hermon's 42nd national percentile and its 46th percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mount Hermon ranks 18,376 for wildfire risk (1 is highest) and 28,550 by building count (1 is largest). Within New Jersey alone, it ranks 382 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Mount Hermon
At the 42nd national percentile, Mount Hermon rates elevated 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
Mount Hermon's 100% 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 Mount Hermon's figures come from
Every one of the two percentiles behind Mount Hermon's 18,376-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mount Hermon's dominant direct exposure actually means, with real examples from across the dataset.