Ramtown, NJ
Ramtown wildfire risk explained
USFS's Wildfire Risk to Communities model puts Ramtown at the 75th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 2,087 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ramtown at the 73rd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Ramtown's building exposure, zone by zone
Indirect exposure is dominant in Ramtown (85% of 2,087 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 15.1% sit in the Direct zone.
How Ramtown compares
Ramtown scores 75th nationally and 82nd 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, Ramtown ranks 8,044 for wildfire risk (1 is highest) and 7,229 by building count (1 is largest). Within New Jersey alone, it ranks 125 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Ramtown
At the 75th percentile nationally, Ramtown carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Ramtown (85% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Ramtown's 8,044-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Ramtown, see the exposure-zones guide.