Jazz, Sports Talk, or Conservative Political Talk all appeal to audiences that are too narrow for the local business model that stations like WJRZ work with.
They need a format that appeals broadly to the most potential listeners in their service area, and they have a special situation in that their sellable potential audience grows substantially during the summer months when all those beach houses are fully occupied, and loads of day trippers come into the area and listen in their cars and on the beach.
Jazz only works where it can carve out a slice of a big population area with many other choices on the dial. Both Sports Talk and Conservative Political talk are formats that mostly attract men, and Conservative talk has the aging audience problem too. Those talk formats would be better placed on AM stations that nobody knows what else to do with.
FMs have the potential of reaching much bigger slices of the potential audience pie than that, and that potential shouldn't be written off with a narrow appeal format.