Beach Haven West, NJ
How exposed is Beach Haven West to wildfire?
Out of every US place USFS scores, Beach Haven West lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 4,583 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Beach Haven West at the 90th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Beach Haven West's buildings actually sit
97.8% of Beach Haven West's 4,583 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 1.4% Direct and 0.8% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Beach Haven West compares
There's little gap between Beach Haven West's 92nd national percentile and its 97th 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, Beach Haven West ranks 2,491 for wildfire risk (1 is highest) and 3,720 by building count (1 is largest). Within New Jersey alone, it ranks 20 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
Beach Haven West's very high rating (92nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Beach Haven West (97.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Beach Haven West's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Beach Haven West, see the exposure-zones guide.