Stockton, NJ
Stockton wildfire risk explained
USFS scores Stockton at the 31st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 275 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stockton at the 30th percentile, close to its 31st-percentile risk score.
What "at risk" means for the buildings here
275 buildings are counted in Stockton, and 72% 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 Stockton compares
Stockton's risk sits at a similar level relative to New Jersey (26th percentile statewide) as it does nationally (31st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stockton ranks 21,908 for wildfire risk (1 is highest) and 22,359 by building count (1 is largest). Within New Jersey alone, it ranks 519 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
Stockton's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Stockton
Because Direct exposure dominates in Stockton (72%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Stockton's figures come from
Every one of the two percentiles behind Stockton's 21,908-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Stockton's dominant direct exposure actually means, with real examples from across the dataset.