Ramsey, NJ
How exposed is Ramsey to wildfire?
Ramsey sits at the 26th 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 4,844 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ramsey at the 26th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
61.2% of Ramsey's 4,844 buildings sit in USFS's Direct exposure zone, roughly 2,965 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 38.8% are Minimal.
How Ramsey compares
Ramsey's risk sits at a similar level relative to New Jersey (18th percentile statewide) as it does nationally (26th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ramsey ranks 23,329 for wildfire risk (1 is highest) and 3,528 by building count (1 is largest). Within New Jersey alone, it ranks 576 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
Ramsey's moderate wildfire rating (26th 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.
Hardening a home in Ramsey
Because Direct exposure dominates in Ramsey (61.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,844 counted buildings into the percentiles shown above for Ramsey. For more on what direct exposure implies beyond Ramsey, see the exposure-zones guide.