Oldwick, NJ
How exposed is Oldwick to wildfire?
Out of every US place USFS scores, Oldwick lands at the 35th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 293 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oldwick's burn probability — fire likelihood with no building count factored in — sits at the 35th percentile nationally.
Where Oldwick's buildings actually sit
USFS classifies 93.9% of Oldwick's buildings as Direct exposure, higher than its 6.1% Indirect share and far above its 0% Minimal share — a profile where 275 structures sit close enough to vegetation that lot clearing matters most.
Oldwick against the rest of the country
There's little gap between Oldwick's 35th national percentile and its 35th 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, Oldwick ranks 20,360 for wildfire risk (1 is highest) and 21,828 by building count (1 is largest). Within New Jersey alone, it ranks 455 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
Oldwick's moderate wildfire rating (35th 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
Oldwick's 93.9% 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 Oldwick's figures come from
Every one of the two percentiles behind Oldwick's 20,360-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oldwick's dominant direct exposure actually means, with real examples from across the dataset.