South Seaville, NJ
South Seaville, NJ's wildfire risk, in USFS's own numbers
USFS scores South Seaville at the 76th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 815 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks South Seaville at the 72nd national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
South Seaville's building exposure, zone by zone
Of South Seaville's 815 counted buildings, 65% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How South Seaville compares
South Seaville scores 76th nationally and 83rd 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, South Seaville ranks 7,633 for wildfire risk (1 is highest) and 13,504 by building count (1 is largest). Within New Jersey alone, it ranks 121 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
South Seaville and the insurance market
South Seaville's 76th-percentile, 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.
What would actually reduce this score
Because Direct exposure dominates in South Seaville (65%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 815 counted buildings into the percentiles shown above for South Seaville. For more on what direct exposure implies beyond South Seaville, see the exposure-zones guide.