Dunellen, NJ
How exposed is Dunellen to wildfire?
USFS's Wildfire Risk to Communities model puts Dunellen at the 24th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,497 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Dunellen's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Dunellen's building exposure, zone by zone
Dunellen rates 56.6% Minimal exposure against just 15.1% Direct and 28.4% Indirect — of 2,497 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Dunellen compares
Dunellen scores 24th nationally and 13th 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, Dunellen ranks 23,954 for wildfire risk (1 is highest) and 6,300 by building count (1 is largest). Within New Jersey alone, it ranks 609 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
Dunellen's moderate rating (24th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 56.6% of Dunellen 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 Dunellen's figures come from
Dunellen's 24th-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 Dunellen's dominant minimal exposure actually means, with real examples from across the dataset.