Accident, MD
Accident, MD's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Accident at the 51st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 220 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Accident's burn probability — fire likelihood with no building count factored in — sits at the 50th percentile nationally.
Accident's building exposure, zone by zone
USFS classifies 59.6% of Accident's buildings as Direct exposure, higher than its 40.5% Indirect share and far above its 0% Minimal share — a profile where 131 structures sit close enough to vegetation that lot clearing matters most.
Where Accident ranks
Accident's 71st-percentile standing inside Maryland outpaces its 51st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Accident ranks 15,537 for wildfire risk (1 is highest) and 24,125 by building count (1 is largest). Within Maryland alone, it ranks 156 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Accident
Accident's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 59.6% of Accident in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Accident's figures come from
The methodology guide shows exactly how USFS turned 220 counted buildings into the percentiles shown above for Accident. The exposure-zones guide covers what Accident's dominant direct exposure actually means, with real examples from across the dataset.