Bradley Beach, NJ
How exposed is Bradley Beach to wildfire?
Bradley Beach sits at the 46th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,129 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bradley Beach at the 48th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bradley Beach's building exposure, zone by zone
Bradley Beach rates 99.8% Minimal exposure against just 0.2% Direct and 0% Indirect — of 2,129 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Bradley Beach ranks
There's little gap between Bradley Beach's 46th national percentile and its 51st 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, Bradley Beach ranks 17,053 for wildfire risk (1 is highest) and 7,119 by building count (1 is largest). Within New Jersey alone, it ranks 344 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Bradley Beach
Bradley Beach's elevated rating (46th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 99.8% of buildings rated Minimal exposure, Bradley Beach gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Bradley Beach's figures come from
Bradley Beach's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Bradley Beach's dominant minimal exposure actually means, with real examples from across the dataset.