Zarephath, NJ
Zarephath, NJ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Zarephath lands at the 24th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 44 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Zarephath at the 26th percentile, close to its 24th-percentile risk score.
Where Zarephath's buildings actually sit
USFS classifies 54.6% of Zarephath's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 40.9% Direct and 4.6% Indirect — a landscape-level risk rather than a building-by-building one.
How Zarephath compares
There's little gap between Zarephath's 24th national percentile and its 14th 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, Zarephath ranks 23,894 for wildfire risk (1 is highest) and 31,074 by building count (1 is largest). Within New Jersey alone, it ranks 607 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Zarephath and the insurance market
Zarephath's moderate wildfire rating (24th 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
With 54.6% of buildings rated Minimal exposure, Zarephath gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Zarephath's figures come from
Every one of the two percentiles behind Zarephath's 23,894-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Zarephath's dominant minimal exposure actually means, with real examples from across the dataset.