Twin Rivers, NJ
Twin Rivers wildfire risk explained
USFS scores Twin Rivers at the 56th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 662 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Twin Rivers at the 56th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Twin Rivers's building exposure, zone by zone
662 buildings are counted in Twin Rivers, and 80.8% of them are Indirect exposure — ember-driven risk rather than the 18.1% in Direct exposure or the 1.1% rated Minimal.
Where Twin Rivers ranks
There's little gap between Twin Rivers's 56th national percentile and its 66th percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Twin Rivers ranks 13,711 for wildfire risk (1 is highest) and 15,038 by building count (1 is largest). Within New Jersey alone, it ranks 242 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
At the 56th national percentile, Twin Rivers rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With ember exposure the dominant pattern in Twin Rivers (80.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Twin Rivers's 13,711-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Twin Rivers, see the exposure-zones guide.