Upper Stewartsville, NJ
Upper Stewartsville wildfire risk explained
Upper Stewartsville sits at the 26th 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 170 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Upper Stewartsville at the 25th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Upper Stewartsville's building exposure, zone by zone
170 buildings are counted in Upper Stewartsville, and 62.4% of them are Indirect exposure — ember-driven risk rather than the 37.7% in Direct exposure or the 0% rated Minimal.
Where Upper Stewartsville ranks
Upper Stewartsville scores 26th nationally and 19th 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, Upper Stewartsville ranks 23,202 for wildfire risk (1 is highest) and 26,037 by building count (1 is largest). Within New Jersey alone, it ranks 569 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Upper Stewartsville
Upper Stewartsville's moderate wildfire rating (26th 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.
Hardening a home in Upper Stewartsville
Upper Stewartsville's 62.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Upper Stewartsville's figures come from
Upper Stewartsville's 26th-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 Upper Stewartsville's dominant indirect exposure actually means, with real examples from across the dataset.