Moonachie, NJ
How exposed is Moonachie to wildfire?
Moonachie's 1,325 buildings earn a 23rd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Moonachie at the 25th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Moonachie's buildings actually sit
USFS classifies 99% of Moonachie's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Moonachie against the rest of the country
There's little gap between Moonachie'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, Moonachie ranks 24,273 for wildfire risk (1 is highest) and 9,955 by building count (1 is largest). Within New Jersey alone, it ranks 627 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
Moonachie'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.
Hardening a home in Moonachie
Moonachie's 99% 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 Moonachie's figures come from
Moonachie'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 Moonachie's dominant minimal exposure actually means, with real examples from across the dataset.