Sea Girt, NJ
Sea Girt wildfire risk explained
USFS's Wildfire Risk to Communities model puts Sea Girt at the 53rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,942 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sea Girt at the 54th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Sea Girt's buildings actually sit
USFS classifies 96.6% of Sea Girt's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Sea Girt against the rest of the country
Sea Girt scores 53rd nationally and 61st within New Jersey — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Sea Girt ranks 14,979 for wildfire risk (1 is highest) and 7,640 by building count (1 is largest). Within New Jersey alone, it ranks 277 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Sea Girt
Sea Girt's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Sea Girt
With 96.6% of buildings rated Minimal exposure, Sea Girt 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 Girt's figures come from
The methodology guide shows exactly how USFS turned 1,942 counted buildings into the percentiles shown above for Sea Girt. The exposure-zones guide covers what Sea Girt's dominant minimal exposure actually means, with real examples from across the dataset.