Stewartsville, NJ
Stewartsville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Stewartsville at the 23rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 334 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stewartsville at the 22nd percentile, close to its 23rd-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Stewartsville: 64.1% of its 334 buildings, versus 35.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Stewartsville compares
There's little gap between Stewartsville's 23rd national percentile and its 10th 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, Stewartsville ranks 24,304 for wildfire risk (1 is highest) and 20,718 by building count (1 is largest). Within New Jersey alone, it ranks 631 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
Stewartsville's moderate wildfire rating (23rd 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 Stewartsville
With 64.1% of Stewartsville in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Stewartsville's 24,304-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Stewartsville, see the exposure-zones guide.