North Beach Haven, NJ
North Beach Haven wildfire risk explained
USFS scores North Beach Haven at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 5,918 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks North Beach Haven at the 58th national percentile — 12 points below its risk-to-structures score, a gap driven by how much is actually built there.
North Beach Haven's building exposure, zone by zone
USFS classifies 100% of North Beach Haven's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 5,918 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where North Beach Haven ranks
North Beach Haven scores 70th 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, North Beach Haven ranks 9,462 for wildfire risk (1 is highest) and 2,910 by building count (1 is largest). Within New Jersey alone, it ranks 144 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
North Beach Haven and the insurance market
At the 70th percentile nationally, North Beach Haven 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 North Beach Haven
Even with 100% of North Beach Haven outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where North Beach Haven's figures come from
The methodology guide shows exactly how USFS turned 5,918 counted buildings into the percentiles shown above for North Beach Haven. The exposure-zones guide covers what North Beach Haven's dominant minimal exposure actually means, with real examples from across the dataset.