East Rutherford, NJ
How exposed is East Rutherford to wildfire?
East Rutherford's 2,589 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks East Rutherford at the 29th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where East Rutherford's buildings actually sit
USFS classifies 99.9% of East Rutherford's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How East Rutherford compares
East Rutherford scores 28th nationally and 22nd 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, East Rutherford ranks 22,690 for wildfire risk (1 is highest) and 6,122 by building count (1 is largest). Within New Jersey alone, it ranks 547 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
East Rutherford's moderate rating (28th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
East Rutherford's 99.9% 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 East Rutherford's figures come from
Every one of the two percentiles behind East Rutherford's 22,690-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what East Rutherford's dominant minimal exposure actually means, with real examples from across the dataset.