Ho-Ho-Kus, NJ
Ho-Ho-Kus wildfire risk explained
Ho-Ho-Kus sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,561 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ho-Ho-Kus at the 25th percentile, close to its 24th-percentile risk score.
What "at risk" means for the buildings here
60.7% of Ho-Ho-Kus's 1,561 buildings sit in USFS's Direct exposure zone, roughly 947 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 39.3% are Minimal.
Where Ho-Ho-Kus ranks
Ho-Ho-Kus scores 24th nationally and 13th 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, Ho-Ho-Kus ranks 24,022 for wildfire risk (1 is highest) and 8,918 by building count (1 is largest). Within New Jersey alone, it ranks 610 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
Ho-Ho-Kus's moderate wildfire rating (24th 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.
Lowering exposure, not just insuring around it
Ho-Ho-Kus's 60.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Ho-Ho-Kus's 24,022-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Ho-Ho-Kus, see the exposure-zones guide.