Somers Point, NJ
Somers Point wildfire risk explained
USFS's Wildfire Risk to Communities model puts Somers Point at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 4,016 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 Somers Point at the 80th percentile, close to its 86th-percentile risk score.
Somers Point's building exposure, zone by zone
91.7% of Somers Point's 4,016 buildings sit in USFS's Minimal exposure zone, with only 5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Somers Point against the rest of the country
There's little gap between Somers Point's 86th national percentile and its 91st 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, Somers Point ranks 4,510 for wildfire risk (1 is highest) and 4,234 by building count (1 is largest). Within New Jersey alone, it ranks 64 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Somers Point and the insurance market
Somers Point's 86th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Somers Point
Somers Point's 91.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Somers Point's 4,510-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Somers Point, see the exposure-zones guide.