Palmyra, NJ
Palmyra, NJ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Palmyra lands at the 44th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 2,431 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Palmyra at the 47th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Palmyra's buildings actually sit
Only 7.9% of Palmyra's 2,431 buildings carry Direct exposure and 0% carry Indirect; the remaining 92.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Palmyra ranks
Palmyra scores 44th nationally and 49th 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, Palmyra ranks 17,652 for wildfire risk (1 is highest) and 6,436 by building count (1 is largest). Within New Jersey alone, it ranks 362 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
Palmyra's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Palmyra
Even with 92.1% of Palmyra 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 Palmyra's figures come from
Palmyra's 44th-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 Palmyra's dominant minimal exposure actually means, with real examples from across the dataset.