Manasquan, NJ
Manasquan wildfire risk explained
USFS's Wildfire Risk to Communities model puts Manasquan at the 54th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 3,473 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Manasquan at the 55th percentile, close to its 54th-percentile risk score.
What "at risk" means for the buildings here
Most of Manasquan's buildings (98% of 3,473) 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 Manasquan ranks
There's little gap between Manasquan's 54th national percentile and its 63rd 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, Manasquan ranks 14,565 for wildfire risk (1 is highest) and 4,805 by building count (1 is largest). Within New Jersey alone, it ranks 259 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
Manasquan's elevated wildfire rating (54th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Manasquan's 98% 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 Manasquan's figures come from
The methodology guide shows exactly how USFS turned 3,473 counted buildings into the percentiles shown above for Manasquan. The exposure-zones guide covers what Manasquan's dominant minimal exposure actually means, with real examples from across the dataset.