Windsor, NJ
How exposed is Windsor to wildfire?
USFS scores Windsor at the 58th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 266 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Windsor at the 57th percentile, close to its 58th-percentile risk score.
Where Windsor's buildings actually sit
USFS classifies 52.6% of Windsor's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 47.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Windsor against the rest of the country
Windsor scores 58th nationally and 67th 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, Windsor ranks 13,339 for wildfire risk (1 is highest) and 22,639 by building count (1 is largest). Within New Jersey alone, it ranks 234 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
Windsor's elevated wildfire rating (58th 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.
What would actually reduce this score
Windsor's 52.6% 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
Windsor's 58th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Windsor, see the exposure-zones guide.