Point Pleasant, NJ
How exposed is Point Pleasant to wildfire?
USFS scores Point Pleasant at the 63rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 8,111 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Point Pleasant's burn probability — fire likelihood with no building count factored in — sits at the 60th percentile nationally.
Where Point Pleasant's buildings actually sit
Only 2.2% of Point Pleasant's 8,111 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 8,111 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Point Pleasant ranks
Point Pleasant's risk sits at a similar level relative to New Jersey (72nd percentile statewide) as it does nationally (63rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Point Pleasant ranks 11,761 for wildfire risk (1 is highest) and 2,071 by building count (1 is largest). Within New Jersey alone, it ranks 199 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
Point Pleasant's high rating (63rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Even with 97.8% of Point Pleasant 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's figures come from
The methodology guide shows exactly how USFS turned 8,111 counted buildings into the percentiles shown above for Point Pleasant. The exposure-zones guide covers what Point Pleasant's dominant minimal exposure actually means, with real examples from across the dataset.