Richland, NJ
Richland wildfire risk explained
USFS scores Richland at the 82nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 495 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Richland's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Where Richland's buildings actually sit
USFS classifies 84.2% of Richland's buildings as Direct exposure, higher than its 15.8% Indirect share and far above its 0% Minimal share — a profile where 417 structures sit close enough to vegetation that lot clearing matters most.
Where Richland ranks
Richland's risk sits at a similar level relative to New Jersey (86th percentile statewide) as it does nationally (82nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Richland ranks 5,801 for wildfire risk (1 is highest) and 17,446 by building count (1 is largest). Within New Jersey alone, it ranks 100 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
Richland's very high rating (82nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Richland's 84.2% 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 Richland's figures come from
Every one of the two percentiles behind Richland's 5,801-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Richland's dominant direct exposure actually means, with real examples from across the dataset.