Northfield, NJ
Northfield, NJ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Northfield lands at the 79th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 3,519 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Northfield's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Northfield's building exposure, zone by zone
Northfield rates 85.2% Minimal exposure against just 11.8% Direct and 3.1% Indirect — of 3,519 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Northfield ranks
Northfield scores 79th nationally and 85th 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, Northfield ranks 6,658 for wildfire risk (1 is highest) and 4,750 by building count (1 is largest). Within New Jersey alone, it ranks 109 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
At the 79th percentile nationally, Northfield carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With 85.2% of buildings rated Minimal exposure, Northfield gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Northfield's 6,658-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Northfield, see the exposure-zones guide.