Waldwick, NJ
Waldwick wildfire risk explained
Waldwick's 3,653 buildings earn a 24th-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 Waldwick at the 24th percentile, close to its 24th-percentile risk score.
What "at risk" means for the buildings here
Only 32.5% of Waldwick's 3,653 buildings carry Direct exposure and 0% carry Indirect; the remaining 67.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Waldwick against the rest of the country
Waldwick 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, Waldwick ranks 24,115 for wildfire risk (1 is highest) and 4,579 by building count (1 is largest). Within New Jersey alone, it ranks 616 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, Waldwick 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 Waldwick
Even with 67.5% of Waldwick outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Waldwick's 24th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Waldwick, see the exposure-zones guide.