Bayonne, NJ
Bayonne wildfire risk explained
Bayonne sits at the 14th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 13,698 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bayonne at the 13th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Bayonne's building exposure, zone by zone
Only 0.1% of Bayonne's 13,698 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 13,698 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Bayonne ranks
Bayonne's risk sits at a similar level relative to New Jersey (1st percentile statewide) as it does nationally (14th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bayonne ranks 27,172 for wildfire risk (1 is highest) and 1,105 by building count (1 is largest). Within New Jersey alone, it ranks 694 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
Bayonne's low wildfire rating (14th 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
With 99.9% of buildings rated Minimal exposure, Bayonne gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Bayonne's figures come from
The methodology guide shows exactly how USFS turned 13,698 counted buildings into the percentiles shown above for Bayonne. The exposure-zones guide covers what Bayonne's dominant minimal exposure actually means, with real examples from across the dataset.