Avon-by-the-Sea, NJ
Avon-by-the-Sea wildfire risk explained
Avon-by-the-Sea's 1,282 buildings earn a 47th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Avon-by-the-Sea at the 49th percentile, close to its 47th-percentile risk score.
What "at risk" means for the buildings here
Only 0.2% of Avon-by-the-Sea's 1,282 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Avon-by-the-Sea against the rest of the country
There's little gap between Avon-by-the-Sea's 47th national percentile and its 52nd percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Avon-by-the-Sea ranks 16,709 for wildfire risk (1 is highest) and 10,184 by building count (1 is largest). Within New Jersey alone, it ranks 335 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
Avon-by-the-Sea's elevated rating (47th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Avon-by-the-Sea's 99.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Avon-by-the-Sea's figures come from
The methodology guide shows exactly how USFS turned 1,282 counted buildings into the percentiles shown above for Avon-by-the-Sea. The exposure-zones guide covers what Avon-by-the-Sea's dominant minimal exposure actually means, with real examples from across the dataset.