Bargaintown, NJ
How exposed is Bargaintown to wildfire?
Bargaintown's 2,095 buildings earn a 75th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bargaintown at the 71st percentile, close to its 75th-percentile risk score.
Where Bargaintown's buildings actually sit
Most of Bargaintown's buildings (43.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Bargaintown ranks
Bargaintown scores 75th nationally and 82nd 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, Bargaintown ranks 7,881 for wildfire risk (1 is highest) and 7,208 by building count (1 is largest). Within New Jersey alone, it ranks 124 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Bargaintown and the insurance market
Bargaintown's high rating (75th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Bargaintown's 43.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Bargaintown's 75th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Bargaintown, see the exposure-zones guide.