Trenton, NJ
Trenton wildfire risk explained
Trenton sits at the 43rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 15,380 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Trenton's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
Trenton's building exposure, zone by zone
Only 2.7% of Trenton's 15,380 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 15,380 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Trenton ranks
Trenton's risk sits at a similar level relative to New Jersey (47th percentile statewide) as it does nationally (43rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Trenton ranks 17,844 for wildfire risk (1 is highest) and 959 by building count (1 is largest). Within New Jersey alone, it ranks 369 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Trenton and the insurance market
Trenton's elevated wildfire rating (43rd 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.
Lowering exposure, not just insuring around it
Trenton's 97.4% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 15,380 counted buildings into the percentiles shown above for Trenton. For more on what minimal exposure implies beyond Trenton, see the exposure-zones guide.