North Middletown, NJ
How exposed is North Middletown to wildfire?
North Middletown sits at the 66th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,206 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Middletown's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
North Middletown's building exposure, zone by zone
North Middletown rates 98.8% Minimal exposure against just 1.2% Direct and 0% Indirect — of 1,206 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How North Middletown compares
There's little gap between North Middletown's 66th national percentile and its 75th 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, North Middletown ranks 10,721 for wildfire risk (1 is highest) and 10,616 by building count (1 is largest). Within New Jersey alone, it ranks 175 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in North Middletown
North Middletown's 66th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in North Middletown
Even with 98.8% of North Middletown outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,206 counted buildings into the percentiles shown above for North Middletown. For more on what minimal exposure implies beyond North Middletown, see the exposure-zones guide.