Port Monmouth, NJ
Port Monmouth wildfire risk explained
Out of every US place USFS scores, Port Monmouth lands at the 68th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,510 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Port Monmouth at the 64th percentile, close to its 68th-percentile risk score.
Port Monmouth's building exposure, zone by zone
USFS classifies 90.9% of Port Monmouth's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 9.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Port Monmouth against the rest of the country
Port Monmouth's risk sits at a similar level relative to New Jersey (78th percentile statewide) as it does nationally (68th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Port Monmouth ranks 10,220 for wildfire risk (1 is highest) and 9,118 by building count (1 is largest). Within New Jersey alone, it ranks 156 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
At the 68th percentile nationally, Port Monmouth 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.
Lowering exposure, not just insuring around it
Port Monmouth's 90.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Port Monmouth's 10,220-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Port Monmouth, see the exposure-zones guide.