Somerdale, NJ
Somerdale, NJ's wildfire risk, in USFS's own numbers
USFS scores Somerdale at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 2,004 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Somerdale's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
What "at risk" means for the buildings here
Somerdale rates 88.9% Minimal exposure against just 11.1% Direct and 0% Indirect — of 2,004 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Somerdale against the rest of the country
Somerdale's risk sits at a similar level relative to New Jersey (55th percentile statewide) as it does nationally (49th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Somerdale ranks 16,203 for wildfire risk (1 is highest) and 7,465 by building count (1 is largest). Within New Jersey alone, it ranks 316 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Somerdale and the insurance market
Somerdale's elevated wildfire rating (49th 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.
Hardening a home in Somerdale
Even with 88.9% of Somerdale outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,004 counted buildings into the percentiles shown above for Somerdale. For more on what minimal exposure implies beyond Somerdale, see the exposure-zones guide.