Colonia, NJ
Colonia wildfire risk explained
USFS's Wildfire Risk to Communities model puts Colonia at the 27th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 6,708 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Colonia at the 29th percentile, close to its 27th-percentile risk score.
Colonia's building exposure, zone by zone
Colonia rates 90.8% Minimal exposure against just 9.2% Direct and 0% Indirect — of 6,708 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 6,708 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Colonia against the rest of the country
Colonia's risk sits at a similar level relative to New Jersey (21st percentile statewide) as it does nationally (27th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Colonia ranks 22,888 for wildfire risk (1 is highest) and 2,583 by building count (1 is largest). Within New Jersey alone, it ranks 556 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Colonia and the insurance market
At the 27th national percentile, Colonia rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 90.8% of buildings rated Minimal exposure, Colonia gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Colonia's figures come from
Colonia's 27th-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 Colonia's dominant minimal exposure actually means, with real examples from across the dataset.