Gandys Beach, NJ
Gandys Beach wildfire risk explained
Gandys Beach sits at the 91st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 77 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gandys Beach at the 86th percentile, close to its 91st-percentile risk score.
Gandys Beach's building exposure, zone by zone
Gandys Beach rates 70.1% Minimal exposure against just 7.8% Direct and 22.1% Indirect — of 77 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Gandys Beach against the rest of the country
There's little gap between Gandys Beach's 91st national percentile and its 96th 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, Gandys Beach ranks 2,997 for wildfire risk (1 is highest) and 30,021 by building count (1 is largest). Within New Jersey alone, it ranks 31 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
At the 91st percentile nationally, Gandys Beach carries the very 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.
What would actually reduce this score
Gandys Beach's 70.1% 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.
More on how this number was built
Gandys Beach's 91st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Gandys Beach, see the exposure-zones guide.