Mount Royal, NJ
Mount Royal, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Mount Royal at the 50th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 355 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Royal at the 51st national percentile — 1 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
50.4% of Mount Royal's 355 buildings sit in USFS's Direct exposure zone, roughly 179 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 49.6% are Minimal.
Where Mount Royal ranks
Mount Royal's risk sits at a similar level relative to New Jersey (56th percentile statewide) as it does nationally (50th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mount Royal ranks 15,759 for wildfire risk (1 is highest) and 20,191 by building count (1 is largest). Within New Jersey alone, it ranks 306 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Mount Royal and the insurance market
Mount Royal's elevated wildfire rating (50th 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
Because Direct exposure dominates in Mount Royal (50.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Mount Royal's 50th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Mount Royal, see the exposure-zones guide.