Upper Saddle River, NJ
Upper Saddle River wildfire risk explained
Upper Saddle River's 3,015 buildings earn a 25th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Upper Saddle River at the 25th percentile, close to its 25th-percentile risk score.
Where Upper Saddle River's buildings actually sit
USFS classifies 91.8% of Upper Saddle River's buildings as Direct exposure, higher than its 0% Indirect share and far above its 8.2% Minimal share — a profile where 2,769 structures sit close enough to vegetation that lot clearing matters most.
How Upper Saddle River compares
Upper Saddle River's risk sits at a similar level relative to New Jersey (15th percentile statewide) as it does nationally (25th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Upper Saddle River ranks 23,738 for wildfire risk (1 is highest) and 5,410 by building count (1 is largest). Within New Jersey alone, it ranks 596 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Upper Saddle River and the insurance market
Upper Saddle River's moderate rating (25th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Upper Saddle River
With 91.8% of Upper Saddle River 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
Upper Saddle River's 25th-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 Upper Saddle River, see the exposure-zones guide.