Harrison, NJ
Harrison wildfire risk explained
USFS's Wildfire Risk to Communities model puts Harrison at the 22nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,561 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harrison at the 23rd percentile, close to its 22nd-percentile risk score.
Where Harrison's buildings actually sit
Only 0.2% of Harrison's 2,561 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Harrison against the rest of the country
Harrison scores 22nd nationally and 9th 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, Harrison ranks 24,460 for wildfire risk (1 is highest) and 6,177 by building count (1 is largest). Within New Jersey alone, it ranks 638 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
Harrison's moderate rating (22nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 99.8% of buildings rated Minimal exposure, Harrison gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Harrison's figures come from
Every one of the two percentiles behind Harrison's 24,460-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Harrison's dominant minimal exposure actually means, with real examples from across the dataset.