Bellmawr, NJ
How exposed is Bellmawr to wildfire?
Bellmawr sits at the 47th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,987 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bellmawr's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
Where Bellmawr's buildings actually sit
Only 3% of Bellmawr's 3,987 buildings carry Direct exposure and 0% carry Indirect; the remaining 97% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Bellmawr ranks
There's little gap between Bellmawr's 47th national percentile and its 52nd percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bellmawr ranks 16,710 for wildfire risk (1 is highest) and 4,261 by building count (1 is largest). Within New Jersey alone, it ranks 336 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 47th national percentile, Bellmawr rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Bellmawr
Even with 97% of Bellmawr outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Bellmawr's figures come from
Bellmawr's 47th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Bellmawr's dominant minimal exposure actually means, with real examples from across the dataset.