Ocean Acres, NJ
Ocean Acres, NJ's wildfire risk, in USFS's own numbers
Ocean Acres sits at the 97th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 6,858 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ocean Acres's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
What "at risk" means for the buildings here
USFS puts 82.7% of Ocean Acres's 6,858 buildings in the Indirect exposure zone, versus 10.1% Direct and 7.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 6,858 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Ocean Acres ranks
Ocean Acres scores 97th nationally and 100th 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, Ocean Acres ranks 856 for wildfire risk (1 is highest) and 2,524 by building count (1 is largest). Within New Jersey alone, it ranks 3 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Ocean Acres
At the 97th percentile nationally, Ocean Acres carries the very 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 Ocean Acres
With ember exposure the dominant pattern in Ocean Acres (82.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Ocean Acres's figures come from
Every one of the two percentiles behind Ocean Acres's 856-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ocean Acres's dominant indirect exposure actually means, with real examples from across the dataset.