Villas, NJ
How exposed is Villas to wildfire?
USFS scores Villas at the 60th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 6,348 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Villas at the 57th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Villas (65.4% of 6,348 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 6.7% sit in the Direct zone. At 6,348 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Villas compares
Villas scores 60th nationally and 69th 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, Villas ranks 12,643 for wildfire risk (1 is highest) and 2,727 by building count (1 is largest). Within New Jersey alone, it ranks 217 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Villas and the insurance market
Villas's elevated rating (60th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With ember exposure the dominant pattern in Villas (65.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Villas's figures come from
The methodology guide shows exactly how USFS turned 6,348 counted buildings into the percentiles shown above for Villas. The exposure-zones guide covers what Villas's dominant indirect exposure actually means, with real examples from across the dataset.