Stirling, NJ
Stirling, NJ's wildfire risk, in USFS's own numbers
Stirling sits at the 32nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,034 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stirling at the 33rd percentile, close to its 32nd-percentile risk score.
Stirling's building exposure, zone by zone
1,034 buildings are counted in Stirling, and 72.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Stirling compares
Stirling scores 32nd nationally and 29th 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, Stirling ranks 21,396 for wildfire risk (1 is highest) and 11,698 by building count (1 is largest). Within New Jersey alone, it ranks 497 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Stirling and the insurance market
At the 32nd national percentile, Stirling rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 72.1% of Stirling 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.
Where Stirling's figures come from
The methodology guide shows exactly how USFS turned 1,034 counted buildings into the percentiles shown above for Stirling. The exposure-zones guide covers what Stirling's dominant direct exposure actually means, with real examples from across the dataset.