West New York, NJ
How exposed is West New York to wildfire?
West New York sits at the 25th 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 4,393 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts West New York at the 27th percentile, close to its 25th-percentile risk score.
West New York's building exposure, zone by zone
USFS classifies 100% of West New York's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How West New York compares
West New York scores 25th nationally and 16th 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, West New York ranks 23,643 for wildfire risk (1 is highest) and 3,888 by building count (1 is largest). Within New Jersey alone, it ranks 591 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
West New York's moderate wildfire rating (25th 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.
Lowering exposure, not just insuring around it
Even with 100% of West New York 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
The methodology guide shows exactly how USFS turned 4,393 counted buildings into the percentiles shown above for West New York. For more on what minimal exposure implies beyond West New York, see the exposure-zones guide.