Little Silver, NJ
Little Silver wildfire risk explained
Little Silver sits at the 53rd 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 2,400 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Little Silver at the 55th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Little Silver's building exposure, zone by zone
65.4% of Little Silver's 2,400 buildings sit in USFS's Minimal exposure zone, with only 34.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Little Silver against the rest of the country
There's little gap between Little Silver's 53rd national percentile and its 61st 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, Little Silver ranks 14,942 for wildfire risk (1 is highest) and 6,512 by building count (1 is largest). Within New Jersey alone, it ranks 274 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Little Silver
At the 53rd national percentile, Little Silver rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Little Silver's 65.4% 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 Little Silver's figures come from
The methodology guide shows exactly how USFS turned 2,400 counted buildings into the percentiles shown above for Little Silver. The exposure-zones guide covers what Little Silver's dominant minimal exposure actually means, with real examples from across the dataset.