Annapolis Neck, MD
Annapolis Neck, MD's wildfire risk, in USFS's own numbers
Annapolis Neck sits at the 26th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 5,165 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Annapolis Neck at the 26th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 55.3% of Annapolis Neck's buildings as Direct exposure, higher than its 19.6% Indirect share and far above its 25.1% Minimal share — a profile where 2,856 structures sit close enough to vegetation that lot clearing matters most. At 5,165 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 Neck ranks
Annapolis Neck scores 26th nationally and 38th 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 Neck ranks 23,254 for wildfire risk (1 is highest) and 3,336 by building count (1 is largest). Within Maryland alone, it ranks 325 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Annapolis Neck and the insurance market
At the 26th national percentile, Annapolis Neck rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Annapolis Neck (55.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Annapolis Neck's figures come from
The methodology guide shows exactly how USFS turned 5,165 counted buildings into the percentiles shown above for Annapolis Neck. The exposure-zones guide covers what Annapolis Neck's dominant direct exposure actually means, with real examples from across the dataset.