Hackensack, NJ
How exposed is Hackensack to wildfire?
USFS's Wildfire Risk to Communities model puts Hackensack at the 17th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 7,496 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hackensack at the 19th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hackensack's building exposure, zone by zone
Most of Hackensack's buildings (95.3% of 7,496) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 7,496 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Hackensack compares
Hackensack's risk sits at a similar level relative to New Jersey (2nd percentile statewide) as it does nationally (17th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hackensack ranks 26,258 for wildfire risk (1 is highest) and 2,282 by building count (1 is largest). Within New Jersey alone, it ranks 683 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
Hackensack's low wildfire rating (17th 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.
What would actually reduce this score
Hackensack's 95.3% 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 Hackensack's figures come from
Every one of the two percentiles behind Hackensack's 26,258-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hackensack's dominant minimal exposure actually means, with real examples from across the dataset.