Allenwood, NJ
Allenwood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Allenwood at the 74th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 509 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Allenwood's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Allenwood's building exposure, zone by zone
50.9% of Allenwood's 509 buildings sit in USFS's Direct exposure zone, roughly 259 structures close enough to burnable vegetation for flame contact, not just embers — 1.8% fall in the Indirect, ember-only zone and 47.4% are Minimal.
Allenwood against the rest of the country
Allenwood's risk sits at a similar level relative to New Jersey (82nd percentile statewide) as it does nationally (74th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Allenwood ranks 8,196 for wildfire risk (1 is highest) and 17,194 by building count (1 is largest). Within New Jersey alone, it ranks 127 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Allenwood and the insurance market
Allenwood's 74th-percentile, 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.
Hardening a home in Allenwood
Because Direct exposure dominates in Allenwood (50.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Allenwood's figures come from
Allenwood's 74th-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 Allenwood's dominant direct exposure actually means, with real examples from across the dataset.