Stratford, NJ
Stratford, NJ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Stratford lands at the 50th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 2,265 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stratford at the 52nd percentile, close to its 50th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 88.2% of Stratford's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Stratford compares
There's little gap between Stratford's 50th national percentile and its 56th 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, Stratford ranks 15,887 for wildfire risk (1 is highest) and 6,782 by building count (1 is largest). Within New Jersey alone, it ranks 310 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Stratford and the insurance market
At the 50th national percentile, Stratford rates elevated 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 88.2% of buildings rated Minimal exposure, Stratford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Stratford's figures come from
The methodology guide shows exactly how USFS turned 2,265 counted buildings into the percentiles shown above for Stratford. The exposure-zones guide covers what Stratford's dominant minimal exposure actually means, with real examples from across the dataset.