Rumson, NJ
How exposed is Rumson to wildfire?
Rumson sits at the 66th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,250 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rumson at the 66th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Rumson's building exposure, zone by zone
Most of Rumson's buildings (52.5% of 3,250) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Rumson against the rest of the country
Rumson scores 66th nationally and 75th 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, Rumson ranks 10,877 for wildfire risk (1 is highest) and 5,100 by building count (1 is largest). Within New Jersey alone, it ranks 181 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
Rumson's high rating (66th 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
With 52.5% of buildings rated Minimal exposure, Rumson gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Rumson's 66th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Rumson, see the exposure-zones guide.