Asbury, NJ
Asbury wildfire risk explained
Out of every US place USFS scores, Asbury lands at the 34th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 180 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Asbury at the 33rd percentile, close to its 34th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 86.1% of Asbury's buildings as Direct exposure, higher than its 13.9% Indirect share and far above its 0% Minimal share — a profile where 155 structures sit close enough to vegetation that lot clearing matters most.
How Asbury compares
Asbury's risk sits at a similar level relative to New Jersey (33rd percentile statewide) as it does nationally (34th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Asbury ranks 20,859 for wildfire risk (1 is highest) and 25,636 by building count (1 is largest). Within New Jersey alone, it ranks 472 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
Asbury's moderate wildfire rating (34th 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
Because Direct exposure dominates in Asbury (86.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Asbury's figures come from
Every one of the two percentiles behind Asbury's 20,859-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Asbury's dominant direct exposure actually means, with real examples from across the dataset.