Margate City, NJ
Margate City wildfire risk explained
Out of every US place USFS scores, Margate City lands at the 86th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 5,020 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Margate City at the 76th percentile, close to its 86th-percentile risk score.
Margate City's building exposure, zone by zone
USFS classifies 99.9% of Margate City's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 5,020 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Margate City compares
Margate City's risk sits at a similar level relative to New Jersey (91st percentile statewide) as it does nationally (86th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Margate City ranks 4,576 for wildfire risk (1 is highest) and 3,419 by building count (1 is largest). Within New Jersey alone, it ranks 66 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Margate City and the insurance market
At the 86th percentile nationally, Margate City 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.
Hardening a home in Margate City
With 99.9% of buildings rated Minimal exposure, Margate City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Margate City's figures come from
The methodology guide shows exactly how USFS turned 5,020 counted buildings into the percentiles shown above for Margate City. The exposure-zones guide covers what Margate City's dominant minimal exposure actually means, with real examples from across the dataset.