Ocean Grove, NJ
Ocean Grove, NJ's wildfire risk, in USFS's own numbers
USFS scores Ocean Grove at the 47th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,579 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ocean Grove at the 48th percentile, close to its 47th-percentile risk score.
Where Ocean Grove's buildings actually sit
Ocean Grove rates 100% Minimal exposure against just 0% Direct and 0% Indirect — of 1,579 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Ocean Grove against the rest of the country
Ocean Grove's risk sits at a similar level relative to New Jersey (52nd percentile statewide) as it does nationally (47th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ocean Grove ranks 16,835 for wildfire risk (1 is highest) and 8,838 by building count (1 is largest). Within New Jersey alone, it ranks 338 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Ocean Grove and the insurance market
Ocean Grove's elevated rating (47th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 100% of buildings rated Minimal exposure, Ocean Grove gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Ocean Grove's 47th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Ocean Grove, see the exposure-zones guide.