Bernardsville, NJ
Bernardsville, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bernardsville at the 40th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,313 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bernardsville at the 39th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Bernardsville: 79.5% of its 3,313 buildings, versus 20.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Bernardsville ranks
There's little gap between Bernardsville's 40th national percentile and its 43rd 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, Bernardsville ranks 18,974 for wildfire risk (1 is highest) and 5,029 by building count (1 is largest). Within New Jersey alone, it ranks 399 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Bernardsville
Bernardsville's moderate rating (40th 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 Bernardsville
With 79.5% of Bernardsville in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,313 counted buildings into the percentiles shown above for Bernardsville. For more on what direct exposure implies beyond Bernardsville, see the exposure-zones guide.