Smithville, NJ
Smithville, NJ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Smithville lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,651 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Smithville's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Where Smithville's buildings actually sit
2,651 buildings are counted in Smithville, and 72.1% of them are Indirect exposure — ember-driven risk rather than the 28% in Direct exposure or the 0% rated Minimal.
How Smithville compares
There's little gap between Smithville's 92nd national percentile and its 97th 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, Smithville ranks 2,585 for wildfire risk (1 is highest) and 6,020 by building count (1 is largest). Within New Jersey alone, it ranks 21 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
Smithville's 92nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because 72.1% of Smithville's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Smithville's figures come from
Smithville's 92nd-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 Smithville's dominant indirect exposure actually means, with real examples from across the dataset.