Sayreville, NJ
Sayreville wildfire risk explained
Sayreville sits at the 67th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 14,631 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sayreville at the 63rd percentile, close to its 67th-percentile risk score.
Where Sayreville's buildings actually sit
USFS classifies 60.4% of Sayreville's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.4% Direct and 34.3% Indirect — a landscape-level risk rather than a building-by-building one. At 14,631 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Sayreville against the rest of the country
There's little gap between Sayreville's 67th national percentile and its 75th percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sayreville ranks 10,568 for wildfire risk (1 is highest) and 1,019 by building count (1 is largest). Within New Jersey alone, it ranks 173 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
Sayreville's high rating (67th 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.
What would actually reduce this score
Even with 60.4% of Sayreville 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.
More on how this number was built
Sayreville's 67th-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 Sayreville, see the exposure-zones guide.