Whittingham, NJ
Whittingham, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Whittingham at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,118 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Whittingham at the 61st national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Whittingham's building exposure, zone by zone
Most of Whittingham's buildings (93.9% of 1,118) 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.
Whittingham against the rest of the country
Whittingham's risk sits at a similar level relative to New Jersey (70th percentile statewide) as it does nationally (61st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Whittingham ranks 12,172 for wildfire risk (1 is highest) and 11,164 by building count (1 is largest). Within New Jersey alone, it ranks 208 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
At the 61st percentile nationally, Whittingham 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 Whittingham
With 93.9% of buildings rated Minimal exposure, Whittingham gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Whittingham's 12,172-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Whittingham, see the exposure-zones guide.