Strathmere, NJ
How exposed is Strathmere to wildfire?
Strathmere sits at the 89th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 446 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 Strathmere at the 83rd percentile, close to its 89th-percentile risk score.
What "at risk" means for the buildings here
Most of Strathmere's buildings (93.1% of 446) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Strathmere ranks
Strathmere scores 89th nationally and 95th 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, Strathmere ranks 3,375 for wildfire risk (1 is highest) and 18,351 by building count (1 is largest). Within New Jersey alone, it ranks 38 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Strathmere and the insurance market
Strathmere's very high rating (89th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Strathmere's 93.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Strathmere's 89th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Strathmere, see the exposure-zones guide.