Tenafly, NJ
How exposed is Tenafly to wildfire?
USFS scores Tenafly at the 27th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 4,740 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tenafly at the 27th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Tenafly's buildings actually sit
53.6% of Tenafly's 4,740 buildings sit in USFS's Direct exposure zone, roughly 2,540 structures close enough to burnable vegetation for flame contact, not just embers — 2.7% fall in the Indirect, ember-only zone and 43.7% are Minimal.
Where Tenafly ranks
Tenafly scores 27th nationally and 20th 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, Tenafly ranks 23,135 for wildfire risk (1 is highest) and 3,599 by building count (1 is largest). Within New Jersey alone, it ranks 563 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
Tenafly's moderate wildfire rating (27th 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.
What would actually reduce this score
With 53.6% of Tenafly in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Tenafly's 27th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Tenafly, see the exposure-zones guide.