Linwood, NJ
How exposed is Linwood to wildfire?
Linwood sits at the 82nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,823 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Linwood's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
What "at risk" means for the buildings here
Only 13.1% of Linwood's 2,823 buildings carry Direct exposure and 0% carry Indirect; the remaining 86.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Linwood against the rest of the country
Linwood's risk sits at a similar level relative to New Jersey (87th percentile statewide) as it does nationally (82nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Linwood ranks 5,553 for wildfire risk (1 is highest) and 5,717 by building count (1 is largest). Within New Jersey alone, it ranks 95 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
Linwood's 82nd-percentile, very 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.
Hardening a home in Linwood
Linwood's 86.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Linwood's figures come from
The methodology guide shows exactly how USFS turned 2,823 counted buildings into the percentiles shown above for Linwood. The exposure-zones guide covers what Linwood's dominant minimal exposure actually means, with real examples from across the dataset.