Arden on the Severn, MD
How exposed is Arden on the Severn to wildfire?
Arden on the Severn sits at the 32nd 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 943 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Arden on the Severn at the 32nd percentile, close to its 32nd-percentile risk score.
Where Arden on the Severn's buildings actually sit
93.7% of Arden on the Severn's 943 buildings sit in USFS's Direct exposure zone, roughly 884 structures close enough to burnable vegetation for flame contact, not just embers — 4.9% fall in the Indirect, ember-only zone and 1.4% are Minimal.
Arden on the Severn against the rest of the country
Within Maryland, Arden on the Severn ranks higher (50th percentile) than it does nationally (32nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Arden on the Severn ranks 21,300 for wildfire risk (1 is highest) and 12,362 by building count (1 is largest). Within Maryland alone, it ranks 261 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
What this risk score means for insurance
Arden on the Severn's moderate rating (32nd 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
Because Direct exposure dominates in Arden on the Severn (93.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Arden on the Severn's figures come from
The methodology guide shows exactly how USFS turned 943 counted buildings into the percentiles shown above for Arden on the Severn. The exposure-zones guide covers what Arden on the Severn's dominant direct exposure actually means, with real examples from across the dataset.