Neptune City, NJ
How exposed is Neptune City to wildfire?
Neptune City sits at the 64th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,724 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Neptune City at the 64th percentile, close to its 64th-percentile risk score.
Neptune City's building exposure, zone by zone
USFS classifies 97.8% of Neptune City's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Neptune City against the rest of the country
Neptune City's risk sits at a similar level relative to New Jersey (73rd percentile statewide) as it does nationally (64th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Neptune City ranks 11,411 for wildfire risk (1 is highest) and 8,324 by building count (1 is largest). Within New Jersey alone, it ranks 189 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
At the 64th percentile nationally, Neptune City carries the 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 Neptune City
With 97.8% of buildings rated Minimal exposure, Neptune 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 Neptune City's figures come from
Neptune City's 64th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Neptune City's dominant minimal exposure actually means, with real examples from across the dataset.