Diamond Beach, NJ
Diamond Beach, NJ's wildfire risk, in USFS's own numbers
USFS scores Diamond Beach at the 67th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 290 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Diamond Beach at the 55th percentile, lower than its 67th-percentile risk score, because so much is actually built here.
Diamond Beach's building exposure, zone by zone
Most of Diamond Beach's buildings (100% of 290) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Diamond Beach ranks
Diamond Beach's risk sits at a similar level relative to New Jersey (77th percentile statewide) as it does nationally (67th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Diamond Beach ranks 10,342 for wildfire risk (1 is highest) and 21,916 by building count (1 is largest). Within New Jersey alone, it ranks 163 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Diamond Beach
At the 67th percentile nationally, Diamond Beach carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Even with 100% of Diamond Beach outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Diamond Beach's figures come from
Diamond Beach's 67th-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 Diamond Beach's dominant minimal exposure actually means, with real examples from across the dataset.