Allamuchy, NJ
Allamuchy wildfire risk explained
Out of every US place USFS scores, Allamuchy lands at the 39th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 97 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Allamuchy's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
Allamuchy's building exposure, zone by zone
Direct exposure dominates in Allamuchy: 87.6% of its 97 buildings, versus 12.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Allamuchy against the rest of the country
There's little gap between Allamuchy's 39th national percentile and its 42nd 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, Allamuchy ranks 19,132 for wildfire risk (1 is highest) and 29,187 by building count (1 is largest). Within New Jersey alone, it ranks 405 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Allamuchy
Allamuchy's moderate wildfire rating (39th 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
Because Direct exposure dominates in Allamuchy (87.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Allamuchy's figures come from
The methodology guide shows exactly how USFS turned 97 counted buildings into the percentiles shown above for Allamuchy. The exposure-zones guide covers what Allamuchy's dominant direct exposure actually means, with real examples from across the dataset.