Towaco, NJ
Towaco, NJ's wildfire risk, in USFS's own numbers
Towaco sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 2,080 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 Towaco at the 37th percentile, close to its 38th-percentile risk score.
Towaco's building exposure, zone by zone
2,080 buildings are counted in Towaco, and 89.1% 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.
Where Towaco ranks
There's little gap between Towaco's 38th national percentile and its 39th 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, Towaco ranks 19,636 for wildfire risk (1 is highest) and 7,254 by building count (1 is largest). Within New Jersey alone, it ranks 428 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
At the 38th national percentile, Towaco rates moderate 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
Because Direct exposure dominates in Towaco (89.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Towaco's figures come from
Towaco's 38th-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 Towaco's dominant direct exposure actually means, with real examples from across the dataset.