Lyons, NJ
How exposed is Lyons to wildfire?
USFS scores Lyons at the 30th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,599 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lyons's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
What "at risk" means for the buildings here
93.1% of Lyons's 1,599 buildings sit in USFS's Direct exposure zone, roughly 1,488 structures close enough to burnable vegetation for flame contact, not just embers — 6.8% fall in the Indirect, ember-only zone and 0.1% are Minimal.
Lyons against the rest of the country
Lyons scores 30th nationally and 25th 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, Lyons ranks 22,125 for wildfire risk (1 is highest) and 8,771 by building count (1 is largest). Within New Jersey alone, it ranks 526 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
Lyons's moderate wildfire rating (30th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Because Direct exposure dominates in Lyons (93.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Lyons's 30th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Lyons, see the exposure-zones guide.