Thorofare, NJ
Thorofare wildfire risk explained
USFS's Wildfire Risk to Communities model puts Thorofare at the 51st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,207 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Thorofare at the 51st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Thorofare's building exposure, zone by zone
Thorofare rates 83.9% Minimal exposure against just 16.1% Direct and 0% Indirect — of 1,207 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Thorofare against the rest of the country
Thorofare scores 51st nationally and 57th 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, Thorofare ranks 15,602 for wildfire risk (1 is highest) and 10,609 by building count (1 is largest). Within New Jersey alone, it ranks 300 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Thorofare and the insurance market
Thorofare's elevated wildfire rating (51st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 83.9% of buildings rated Minimal exposure, Thorofare gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Thorofare's figures come from
Thorofare's 51st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Thorofare's dominant minimal exposure actually means, with real examples from across the dataset.