One of Manhattan’s tallest and ritziest towers is full of cracks — and some engineers reportedly fear chunks of concrete could rain down on the Midtown sidewalks if a $160 million renovation isn’t undertaken.

The white concrete facade of 432 Park Ave. — the nearly 1,400-foot, 96-floor “Billionaires’ Row” tower that reaches high above Midtown’s skyline — has been splitting, fissuring and left with pieces missing since it was completed in 2015, an alarming study from the New York Times found Sunday .

And the problem is so bad that the supertall skyscraper could be left “uninhabitable” if a major restoration isn’t completed soon, one expert told the outlet. 5

“Chunks of concrete will fall off, and windows will start loosening up,” structural engineer Steve Bongiorno explained, cau

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