Phillipsburg, NJ
Phillipsburg, NJ's wildfire risk, in USFS's own numbers
Phillipsburg sits at the 17th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 5,113 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Phillipsburg at the 17th percentile, close to its 17th-percentile risk score.
Phillipsburg's building exposure, zone by zone
USFS puts 87.1% of Phillipsburg's 5,113 buildings in the Indirect exposure zone, versus 7.4% Direct and 5.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 5,113 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Phillipsburg compares
Phillipsburg's risk sits at a similar level relative to New Jersey (3rd percentile statewide) as it does nationally (17th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Phillipsburg ranks 26,069 for wildfire risk (1 is highest) and 3,374 by building count (1 is largest). Within New Jersey alone, it ranks 681 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Phillipsburg
Phillipsburg's low rating (17th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Phillipsburg's 87.1% 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
Phillipsburg's 17th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Phillipsburg, see the exposure-zones guide.