Penns Grove, NJ
Penns Grove wildfire risk explained
Out of every US place USFS scores, Penns Grove lands at the 48th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 1,594 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Penns Grove at the 48th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Penns Grove's buildings actually sit
Most of Penns Grove's buildings (95.1% of 1,594) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Penns Grove ranks
Penns Grove scores 48th nationally and 53rd 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, Penns Grove ranks 16,487 for wildfire risk (1 is highest) and 8,789 by building count (1 is largest). Within New Jersey alone, it ranks 327 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
Penns Grove's elevated wildfire rating (48th 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
Penns Grove's 95.1% 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 Penns Grove's figures come from
Penns Grove's 48th-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 Penns Grove's dominant minimal exposure actually means, with real examples from across the dataset.