Annandale, NJ
Annandale wildfire risk explained
USFS's Wildfire Risk to Communities model puts Annandale at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 627 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Annandale's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
Where Annandale's buildings actually sit
627 buildings are counted in Annandale, and 65.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 2.7% rated Minimal.
How Annandale compares
Annandale's risk sits at a similar level relative to New Jersey (7th percentile statewide) as it does nationally (21st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Annandale ranks 24,970 for wildfire risk (1 is highest) and 15,482 by building count (1 is largest). Within New Jersey alone, it ranks 653 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
Annandale's moderate wildfire rating (21st 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 Annandale (65.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Annandale's 24,970-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Annandale, see the exposure-zones guide.