Totowa, NJ
Totowa, NJ's wildfire risk, in USFS's own numbers
Totowa sits at the 21st 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 4,042 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Totowa at the 22nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Totowa's buildings actually sit
93.2% of Totowa's 4,042 buildings sit in USFS's Minimal exposure zone, with only 6.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Totowa compares
There's little gap between Totowa's 21st national percentile and its 7th 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, Totowa ranks 24,778 for wildfire risk (1 is highest) and 4,197 by building count (1 is largest). Within New Jersey alone, it ranks 649 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Totowa
Totowa's moderate rating (21st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Totowa's 93.2% 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
Every one of the two percentiles behind Totowa's 24,778-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Totowa, see the exposure-zones guide.