Beverly, NJ
Beverly wildfire risk explained
USFS scores Beverly at the 46th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,029 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Beverly's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
Beverly's building exposure, zone by zone
Only 9.4% of Beverly's 1,029 buildings carry Direct exposure and 0% carry Indirect; the remaining 90.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Beverly ranks
Beverly scores 46th nationally and 50th within New Jersey — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Beverly ranks 17,118 for wildfire risk (1 is highest) and 11,729 by building count (1 is largest). Within New Jersey alone, it ranks 347 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Beverly and the insurance market
Beverly's elevated wildfire rating (46th 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.
Hardening a home in Beverly
Beverly's 90.6% 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 Beverly's figures come from
Every one of the two percentiles behind Beverly's 17,118-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Beverly's dominant minimal exposure actually means, with real examples from across the dataset.