Alloway, NJ
Alloway wildfire risk explained
Alloway sits at the 67th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 865 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Alloway's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
What "at risk" means for the buildings here
865 buildings are counted in Alloway, and 78.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.7% rated Minimal.
How Alloway compares
Alloway's risk sits at a similar level relative to New Jersey (78th percentile statewide) as it does nationally (67th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Alloway ranks 10,279 for wildfire risk (1 is highest) and 13,031 by building count (1 is largest). Within New Jersey alone, it ranks 157 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
At the 67th percentile nationally, Alloway carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Alloway's 78.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Alloway's 10,279-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Alloway, see the exposure-zones guide.