Netcong, NJ
Netcong wildfire risk explained
Out of every US place USFS scores, Netcong lands at the 27th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,109 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Netcong at the 26th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Netcong's buildings actually sit
1,109 buildings are counted in Netcong, and 79.5% of them are Indirect exposure — ember-driven risk rather than the 18.1% in Direct exposure or the 2.3% rated Minimal.
How Netcong compares
There's little gap between Netcong's 27th national percentile and its 21st 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, Netcong ranks 22,977 for wildfire risk (1 is highest) and 11,225 by building count (1 is largest). Within New Jersey alone, it ranks 557 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
At the 27th national percentile, Netcong rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Netcong's 79.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,109 counted buildings into the percentiles shown above for Netcong. For more on what indirect exposure implies beyond Netcong, see the exposure-zones guide.