Englishtown, NJ
Englishtown wildfire risk explained
Englishtown's 626 buildings earn a 67th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Englishtown at the 66th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Englishtown's building exposure, zone by zone
626 buildings are counted in Englishtown, and 83.6% of them are Indirect exposure — ember-driven risk rather than the 16.5% in Direct exposure or the 0% rated Minimal.
Where Englishtown ranks
Englishtown's risk sits at a similar level relative to New Jersey (76th percentile statewide) as it does nationally (67th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Englishtown ranks 10,433 for wildfire risk (1 is highest) and 15,491 by building count (1 is largest). Within New Jersey alone, it ranks 166 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
Englishtown's 67th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because 83.6% of Englishtown's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 626 counted buildings into the percentiles shown above for Englishtown. For more on what indirect exposure implies beyond Englishtown, see the exposure-zones guide.