Woodbine, NJ
Woodbine wildfire risk explained
USFS scores Woodbine at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,314 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 Woodbine at the 84th percentile, close to its 85th-percentile risk score.
Where Woodbine's buildings actually sit
USFS classifies 51% of Woodbine's buildings as Direct exposure, higher than its 49% Indirect share and far above its 0% Minimal share — a profile where 670 structures sit close enough to vegetation that lot clearing matters most.
Woodbine against the rest of the country
Woodbine's risk sits at a similar level relative to New Jersey (90th percentile statewide) as it does nationally (85th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Woodbine ranks 4,766 for wildfire risk (1 is highest) and 9,996 by building count (1 is largest). Within New Jersey alone, it ranks 75 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
Woodbine's 85th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Woodbine (51%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Woodbine's figures come from
Woodbine's 85th-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 Woodbine's dominant direct exposure actually means, with real examples from across the dataset.