Navesink, NJ
Navesink wildfire risk explained
USFS scores Navesink at the 71st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 844 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Navesink at the 71st national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Navesink's buildings actually sit
844 buildings are counted in Navesink, and 53.9% of them are Indirect exposure — ember-driven risk rather than the 45.9% in Direct exposure or the 0.2% rated Minimal.
Where Navesink ranks
Navesink scores 71st nationally and 80th 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, Navesink ranks 9,055 for wildfire risk (1 is highest) and 13,213 by building count (1 is largest). Within New Jersey alone, it ranks 139 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Navesink and the insurance market
Navesink's high rating (71st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Navesink (53.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Navesink's figures come from
The methodology guide shows exactly how USFS turned 844 counted buildings into the percentiles shown above for Navesink. The exposure-zones guide covers what Navesink's dominant indirect exposure actually means, with real examples from across the dataset.