Lavallette, NJ
Lavallette wildfire risk explained
Lavallette sits at the 69th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,869 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 Lavallette at the 56th percentile, lower than its 69th-percentile risk score, because so much is actually built here.
Lavallette's building exposure, zone by zone
Most of Lavallette's buildings (100% of 2,869) 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.
Lavallette against the rest of the country
Lavallette scores 69th nationally and 79th 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, Lavallette ranks 9,778 for wildfire risk (1 is highest) and 5,630 by building count (1 is largest). Within New Jersey alone, it ranks 149 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Lavallette
At the 69th percentile nationally, Lavallette 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
With 100% of buildings rated Minimal exposure, Lavallette gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lavallette's figures come from
Lavallette's 69th-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 Lavallette's dominant minimal exposure actually means, with real examples from across the dataset.