Monmouth Beach, NJ
Monmouth Beach wildfire risk explained
USFS's Wildfire Risk to Communities model puts Monmouth Beach at the 53rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,312 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 Monmouth Beach at the 56th percentile, close to its 53rd-percentile risk score.
What "at risk" means for the buildings here
Monmouth Beach rates 96.8% Minimal exposure against just 3.2% Direct and 0% Indirect — of 1,312 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Monmouth Beach against the rest of the country
Monmouth Beach scores 53rd nationally and 62nd 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, Monmouth Beach ranks 14,694 for wildfire risk (1 is highest) and 10,012 by building count (1 is largest). Within New Jersey alone, it ranks 268 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Monmouth Beach and the insurance market
Monmouth Beach's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Monmouth Beach
With 96.8% of buildings rated Minimal exposure, Monmouth Beach gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Monmouth Beach's 53rd-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 Monmouth Beach, see the exposure-zones guide.