Saddle River, NJ
Saddle River, NJ's wildfire risk, in USFS's own numbers
Saddle River 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 1,644 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Saddle River's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Saddle River's building exposure, zone by zone
91.5% of Saddle River's 1,644 buildings sit in USFS's Direct exposure zone, roughly 1,504 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 8.5% are Minimal.
How Saddle River compares
Saddle River scores 24th nationally and 12th 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, Saddle River ranks 24,084 for wildfire risk (1 is highest) and 8,607 by building count (1 is largest). Within New Jersey alone, it ranks 613 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 24th national percentile, Saddle River rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Saddle River
Saddle River's 91.5% 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 Saddle River's 24,084-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Saddle River, see the exposure-zones guide.