Westfield, NJ
Westfield wildfire risk explained
USFS scores Westfield at the 32nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 10,952 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Westfield at the 32nd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Westfield's building exposure, zone by zone
Most of Westfield's buildings (63.7% of 10,952) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 10,952 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Westfield ranks
Westfield's risk sits at a similar level relative to New Jersey (29th percentile statewide) as it does nationally (32nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Westfield ranks 21,490 for wildfire risk (1 is highest) and 1,447 by building count (1 is largest). Within New Jersey alone, it ranks 499 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Westfield and the insurance market
Westfield's moderate rating (32nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Westfield's 63.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Westfield's figures come from
Westfield's 32nd-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 Westfield's dominant minimal exposure actually means, with real examples from across the dataset.