Avalon, NJ
How exposed is Avalon to wildfire?
Avalon sits at the 84th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 4,601 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Avalon at the 74th national percentile — 10 points below its risk-to-structures score, a gap driven by how much is actually built there.
Avalon's building exposure, zone by zone
Most of Avalon's buildings (99.9% of 4,601) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Avalon ranks
Avalon scores 84th nationally and 89th within New Jersey — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Avalon ranks 4,922 for wildfire risk (1 is highest) and 3,703 by building count (1 is largest). Within New Jersey alone, it ranks 81 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Avalon and the insurance market
Avalon's 84th-percentile, very 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.
Lowering exposure, not just insuring around it
With 99.9% of buildings rated Minimal exposure, Avalon gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Avalon's 4,922-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Avalon, see the exposure-zones guide.