Sea Bright, NJ
How exposed is Sea Bright to wildfire?
USFS scores Sea Bright at the 62nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 774 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sea Bright's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
Sea Bright's building exposure, zone by zone
99% of Sea Bright's 774 buildings sit in USFS's Minimal exposure zone, with only 1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Sea Bright against the rest of the country
Sea Bright's risk sits at a similar level relative to New Jersey (71st percentile statewide) as it does nationally (62nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Sea Bright ranks 12,045 for wildfire risk (1 is highest) and 13,883 by building count (1 is largest). Within New Jersey alone, it ranks 205 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Sea Bright and the insurance market
Sea Bright's high rating (62nd 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.
Hardening a home in Sea Bright
With 99% of buildings rated Minimal exposure, Sea Bright gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Sea Bright's figures come from
Every one of the two percentiles behind Sea Bright's 12,045-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Sea Bright's dominant minimal exposure actually means, with real examples from across the dataset.