Beachwood, NJ
How exposed is Beachwood to wildfire?
USFS's Wildfire Risk to Communities model puts Beachwood at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 4,121 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Beachwood at the 91st percentile, close to its 94th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 94% of Beachwood's 4,121 buildings in the Indirect exposure zone, versus 1.8% Direct and 4.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Beachwood against the rest of the country
Beachwood's risk sits at a similar level relative to New Jersey (98th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Beachwood ranks 1,762 for wildfire risk (1 is highest) and 4,125 by building count (1 is largest). Within New Jersey alone, it ranks 15 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Beachwood and the insurance market
Beachwood's very high rating (94th 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.
What would actually reduce this score
Because 94% of Beachwood's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Beachwood's 94th-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 Beachwood, see the exposure-zones guide.