Monument Beach, MA
Monument Beach wildfire risk explained
USFS scores Monument Beach at the 30th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,499 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monument Beach's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
What "at risk" means for the buildings here
Only 16.9% of Monument Beach's 1,499 buildings carry Direct exposure and 30.5% carry Indirect; the remaining 52.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Monument Beach ranks
Within Massachusetts, Monument Beach ranks higher (76th percentile) than it does nationally (30th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Monument Beach ranks 22,119 for wildfire risk (1 is highest) and 9,172 by building count (1 is largest). Within Massachusetts alone, it ranks 60 of 248 places by risk. See the full county-by-county picture for Massachusetts on its state page.
Monument Beach and the insurance market
Monument Beach's moderate rating (30th 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 Monument Beach
Monument Beach's 52.6% 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.
More on how this number was built
Every one of the two percentiles behind Monument Beach's 22,119-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Monument Beach, see the exposure-zones guide.