Sea Isle City, NJ
Sea Isle City, NJ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Sea Isle City at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,524 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sea Isle City at the 78th percentile, close to its 86th-percentile risk score.
Where Sea Isle City's buildings actually sit
97.1% of Sea Isle City's 3,524 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 0.8% Direct and 2.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Sea Isle City ranks
Sea Isle City scores 86th nationally and 92nd 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 Isle City ranks 4,382 for wildfire risk (1 is highest) and 4,743 by building count (1 is largest). Within New Jersey alone, it ranks 57 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 86th percentile nationally, Sea Isle City carries the very 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.
Hardening a home in Sea Isle City
Sea Isle City's 97.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Sea Isle City's figures come from
Every one of the two percentiles behind Sea Isle City's 4,382-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Sea Isle City's dominant indirect exposure actually means, with real examples from across the dataset.