Garfield, NJ
How exposed is Garfield to wildfire?
USFS scores Garfield at the 12th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 6,336 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garfield at the 15th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
99.8% of Garfield's 6,336 buildings sit in USFS's Minimal exposure zone, with only 0.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 6,336 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Garfield against the rest of the country
Garfield scores 12th nationally and 0th 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, Garfield ranks 27,893 for wildfire risk (1 is highest) and 2,733 by building count (1 is largest). Within New Jersey alone, it ranks 699 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Garfield and the insurance market
At the 12th national percentile, Garfield rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Garfield
With 99.8% of buildings rated Minimal exposure, Garfield 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
Every one of the two percentiles behind Garfield's 27,893-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Garfield, see the exposure-zones guide.