Annapolis, MD
Annapolis wildfire risk explained
USFS scores Annapolis at the 27th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 10,342 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Annapolis's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Annapolis's building exposure, zone by zone
10,342 buildings are counted in Annapolis, and 57.3% of them are Indirect exposure — ember-driven risk rather than the 12.5% in Direct exposure or the 30.2% rated Minimal. At 10,342 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Annapolis ranks
Annapolis scores 27th nationally and 41st within Maryland — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Annapolis ranks 22,970 for wildfire risk (1 is highest) and 1,543 by building count (1 is largest). Within Maryland alone, it ranks 313 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Annapolis and the insurance market
Annapolis's moderate wildfire rating (27th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because 57.3% of Annapolis's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Annapolis's figures come from
The methodology guide shows exactly how USFS turned 10,342 counted buildings into the percentiles shown above for Annapolis. The exposure-zones guide covers what Annapolis's dominant indirect exposure actually means, with real examples from across the dataset.