West Freehold, NJ
How exposed is West Freehold to wildfire?
USFS scores West Freehold at the 69th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,987 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, West Freehold's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Where West Freehold's buildings actually sit
3,987 buildings are counted in West Freehold, and 55% of them are Indirect exposure — ember-driven risk rather than the 30.9% in Direct exposure or the 14.2% rated Minimal.
How West Freehold compares
West Freehold scores 69th nationally and 79th 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, West Freehold ranks 9,868 for wildfire risk (1 is highest) and 4,262 by building count (1 is largest). Within New Jersey alone, it ranks 150 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
West Freehold's 69th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in West Freehold
With ember exposure the dominant pattern in West Freehold (55% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,987 counted buildings into the percentiles shown above for West Freehold. For more on what indirect exposure implies beyond West Freehold, see the exposure-zones guide.