Richwood, NJ
Richwood wildfire risk explained
Richwood's 1,704 buildings earn a 54th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Richwood's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
What "at risk" means for the buildings here
77.1% of Richwood's 1,704 buildings sit in USFS's Direct exposure zone, roughly 1,314 structures close enough to burnable vegetation for flame contact, not just embers — 20.3% fall in the Indirect, ember-only zone and 2.6% are Minimal.
Where Richwood ranks
Richwood scores 54th nationally and 62nd 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, Richwood ranks 14,655 for wildfire risk (1 is highest) and 8,408 by building count (1 is largest). Within New Jersey alone, it ranks 265 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
Richwood's elevated wildfire rating (54th 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.
Lowering exposure, not just insuring around it
With 77.1% of Richwood 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.
Where Richwood's figures come from
Richwood's 54th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Richwood's dominant direct exposure actually means, with real examples from across the dataset.