Westwood, NJ
Westwood wildfire risk explained
USFS scores Westwood at the 23rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 3,484 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Westwood's burn probability — fire likelihood with no building count factored in — sits at the 25th percentile nationally.
What "at risk" means for the buildings here
Most of Westwood's buildings (73.4% of 3,484) 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.
Where Westwood ranks
There's little gap between Westwood's 23rd national percentile and its 11th 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, Westwood ranks 24,239 for wildfire risk (1 is highest) and 4,788 by building count (1 is largest). Within New Jersey alone, it ranks 626 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
Westwood's moderate wildfire rating (23rd 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.
Lowering exposure, not just insuring around it
Westwood's 73.4% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,484 counted buildings into the percentiles shown above for Westwood. For more on what minimal exposure implies beyond Westwood, see the exposure-zones guide.