Seeley, NJ
Seeley wildfire risk explained
Out of every US place USFS scores, Seeley lands at the 51st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 94 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Seeley at the 51st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Seeley: 100% of its 94 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Seeley compares
Seeley's risk sits at a similar level relative to New Jersey (57th percentile statewide) as it does nationally (51st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Seeley ranks 15,566 for wildfire risk (1 is highest) and 29,325 by building count (1 is largest). Within New Jersey alone, it ranks 299 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Seeley and the insurance market
Seeley's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Seeley (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Seeley's figures come from
The methodology guide shows exactly how USFS turned 94 counted buildings into the percentiles shown above for Seeley. The exposure-zones guide covers what Seeley's dominant direct exposure actually means, with real examples from across the dataset.