Stone Harbor, NJ
Stone Harbor, NJ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Stone Harbor lands at the 80th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 2,670 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stone Harbor's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 99.8% of Stone Harbor's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Stone Harbor compares
There's little gap between Stone Harbor's 80th national percentile and its 85th 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, Stone Harbor ranks 6,469 for wildfire risk (1 is highest) and 5,981 by building count (1 is largest). Within New Jersey alone, it ranks 106 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Stone Harbor and the insurance market
At the 80th percentile nationally, Stone Harbor carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Stone Harbor
With 99.8% of buildings rated Minimal exposure, Stone Harbor gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,670 counted buildings into the percentiles shown above for Stone Harbor. For more on what minimal exposure implies beyond Stone Harbor, see the exposure-zones guide.