Point Pleasant Beach, NJ
Point Pleasant Beach wildfire risk explained
Point Pleasant Beach sits at the 49th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,316 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Point Pleasant Beach at the 50th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Point Pleasant Beach's building exposure, zone by zone
USFS classifies 98.7% of Point Pleasant Beach's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 1.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Point Pleasant Beach compares
Point Pleasant Beach's risk sits at a similar level relative to New Jersey (55th percentile statewide) as it does nationally (49th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Point Pleasant Beach ranks 16,175 for wildfire risk (1 is highest) and 5,024 by building count (1 is largest). Within New Jersey alone, it ranks 315 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Point Pleasant Beach and the insurance market
Point Pleasant Beach's elevated rating (49th 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
Even with 98.7% of Point Pleasant Beach 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 Point Pleasant Beach's figures come from
Point Pleasant Beach's 49th-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 Point Pleasant Beach's dominant minimal exposure actually means, with real examples from across the dataset.