Oxford, NJ
How exposed is Oxford to wildfire?
Oxford sits at the 37th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 541 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oxford's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
Where Oxford's buildings actually sit
USFS classifies 81.3% of Oxford's buildings as Direct exposure, higher than its 18.7% Indirect share and far above its 0% Minimal share — a profile where 440 structures sit close enough to vegetation that lot clearing matters most.
Where Oxford ranks
Oxford scores 37th nationally and 37th within New Jersey — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oxford ranks 19,855 for wildfire risk (1 is highest) and 16,701 by building count (1 is largest). Within New Jersey alone, it ranks 439 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 37th national percentile, Oxford rates moderate 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
With 81.3% of Oxford in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Oxford's 37th-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 Oxford, see the exposure-zones guide.