Greentree, NJ
Greentree wildfire risk explained
Greentree sits at the 51st 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 3,947 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Greentree at the 53rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Greentree's building exposure, zone by zone
Greentree rates 76.8% Minimal exposure against just 22.4% Direct and 0.8% Indirect — of 3,947 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Greentree ranks
Greentree's risk sits at a similar level relative to New Jersey (58th percentile statewide) as it does nationally (51st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Greentree ranks 15,447 for wildfire risk (1 is highest) and 4,295 by building count (1 is largest). Within New Jersey alone, it ranks 296 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
Greentree's elevated wildfire rating (51st 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.
Hardening a home in Greentree
Greentree's 76.8% 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 Greentree's figures come from
Greentree's 51st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Greentree's dominant minimal exposure actually means, with real examples from across the dataset.