Little Ferry, NJ
Little Ferry wildfire risk explained
Little Ferry sits at the 23rd 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 2,719 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Little Ferry's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 97.9% of Little Ferry's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Little Ferry against the rest of the country
There's little gap between Little Ferry's 23rd national percentile and its 10th percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Little Ferry ranks 24,303 for wildfire risk (1 is highest) and 5,897 by building count (1 is largest). Within New Jersey alone, it ranks 630 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
Little Ferry's moderate wildfire rating (23rd 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
Even with 97.9% of Little Ferry outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Little Ferry's figures come from
Little Ferry's 23rd-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 Little Ferry's dominant minimal exposure actually means, with real examples from across the dataset.