Northvale, NJ
How exposed is Northvale to wildfire?
USFS's Wildfire Risk to Communities model puts Northvale at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,708 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 Northvale at the 29th percentile, close to its 29th-percentile risk score.
What "at risk" means for the buildings here
58.7% of Northvale's 1,708 buildings sit in USFS's Minimal exposure zone, with only 24.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Northvale ranks
Northvale scores 29th nationally and 25th 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, Northvale ranks 22,255 for wildfire risk (1 is highest) and 8,390 by building count (1 is largest). Within New Jersey alone, it ranks 529 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Northvale
Northvale's moderate rating (29th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Northvale's 58.7% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,708 counted buildings into the percentiles shown above for Northvale. For more on what minimal exposure implies beyond Northvale, see the exposure-zones guide.