Seaville, NJ
How exposed is Seaville to wildfire?
USFS scores Seaville at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,452 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Seaville's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Seaville's building exposure, zone by zone
USFS classifies 60.5% of Seaville's buildings as Direct exposure, higher than its 39.5% Indirect share and far above its 0% Minimal share — a profile where 878 structures sit close enough to vegetation that lot clearing matters most.
Seaville against the rest of the country
Seaville scores 81st nationally and 86th 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, Seaville ranks 6,020 for wildfire risk (1 is highest) and 9,385 by building count (1 is largest). Within New Jersey alone, it ranks 101 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
Seaville's very high rating (81st 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 Seaville
Seaville's 60.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,452 counted buildings into the percentiles shown above for Seaville. For more on what direct exposure implies beyond Seaville, see the exposure-zones guide.