Roselle, NJ
Roselle wildfire risk explained
USFS scores Roselle at the 18th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 5,972 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Roselle at the 21st percentile, close to its 18th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 95.4% of Roselle's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 5,972 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Roselle compares
There's little gap between Roselle's 18th national percentile and its 3rd percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Roselle ranks 26,010 for wildfire risk (1 is highest) and 2,888 by building count (1 is largest). Within New Jersey alone, it ranks 680 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
At the 18th national percentile, Roselle rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Roselle's 95.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Roselle's figures come from
Roselle's 18th-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 Roselle's dominant minimal exposure actually means, with real examples from across the dataset.