Red Bank, NJ
Red Bank wildfire risk explained
USFS scores Red Bank at the 62nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,485 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Red Bank at the 63rd percentile, close to its 62nd-percentile risk score.
Where Red Bank's buildings actually sit
Only 3.4% of Red Bank's 3,485 buildings carry Direct exposure and 2.6% carry Indirect; the remaining 94% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Red Bank ranks
Red Bank scores 62nd nationally and 71st 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, Red Bank ranks 11,881 for wildfire risk (1 is highest) and 4,787 by building count (1 is largest). Within New Jersey alone, it ranks 202 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Red Bank and the insurance market
Red Bank's 62nd-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.
Hardening a home in Red Bank
With 94% of buildings rated Minimal exposure, Red Bank gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,485 counted buildings into the percentiles shown above for Red Bank. For more on what minimal exposure implies beyond Red Bank, see the exposure-zones guide.