Whitesboro, NJ
Whitesboro wildfire risk explained
Whitesboro sits at the 73rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,152 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Whitesboro at the 69th percentile, close to its 73rd-percentile risk score.
What "at risk" means for the buildings here
52.7% of Whitesboro's 1,152 buildings sit in USFS's Direct exposure zone, roughly 607 structures close enough to burnable vegetation for flame contact, not just embers — 47.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Whitesboro against the rest of the country
There's little gap between Whitesboro's 73rd national percentile and its 81st 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, Whitesboro ranks 8,383 for wildfire risk (1 is highest) and 10,943 by building count (1 is largest). Within New Jersey alone, it ranks 131 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Whitesboro and the insurance market
At the 73rd percentile nationally, Whitesboro carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Whitesboro
Whitesboro's 52.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Whitesboro's figures come from
The methodology guide shows exactly how USFS turned 1,152 counted buildings into the percentiles shown above for Whitesboro. The exposure-zones guide covers what Whitesboro's dominant direct exposure actually means, with real examples from across the dataset.