Spotswood, NJ
Spotswood, NJ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Spotswood lands at the 61st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 2,988 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spotswood's burn probability — fire likelihood with no building count factored in — sits at the 60th percentile nationally.
Spotswood's building exposure, zone by zone
Spotswood rates 84% Minimal exposure against just 13.7% Direct and 2.3% Indirect — of 2,988 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Spotswood ranks
Spotswood scores 61st nationally and 70th 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, Spotswood ranks 12,394 for wildfire risk (1 is highest) and 5,456 by building count (1 is largest). Within New Jersey alone, it ranks 211 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Spotswood
Spotswood's 61st-percentile, 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.
Hardening a home in Spotswood
Spotswood's 84% 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 Spotswood's figures come from
Every one of the two percentiles behind Spotswood's 12,394-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Spotswood's dominant minimal exposure actually means, with real examples from across the dataset.