Woodbury, NJ
How exposed is Woodbury to wildfire?
Woodbury sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,549 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Woodbury at the 51st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Woodbury rates 91% Minimal exposure against just 9% Direct and 0% Indirect — of 3,549 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Woodbury compares
Woodbury scores 50th nationally and 56th 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, Woodbury ranks 15,889 for wildfire risk (1 is highest) and 4,720 by building count (1 is largest). Within New Jersey alone, it ranks 312 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Woodbury and the insurance market
Woodbury's elevated wildfire rating (50th 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
Even with 91% of Woodbury outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,549 counted buildings into the percentiles shown above for Woodbury. For more on what minimal exposure implies beyond Woodbury, see the exposure-zones guide.