Bear, DE
How exposed is Bear to wildfire?
Bear's 5,366 buildings earn a 43rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bear at the 43rd percentile, close to its 43rd-percentile risk score.
Where Bear's buildings actually sit
Only 21.5% of Bear's 5,366 buildings carry Direct exposure and 0% carry Indirect; the remaining 78.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 5,366 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Bear compares
Compare Bear's two percentiles: 58th within Delaware, only 43rd nationally — a gap of 15 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Bear ranks 18,079 for wildfire risk (1 is highest) and 3,216 by building count (1 is largest). Within Delaware alone, it ranks 34 of 79 places by risk. See the full county-by-county picture for Delaware on its state page.
Shopping for coverage in Bear
Bear's elevated rating (43rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Bear
Bear's 78.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Bear's figures come from
Bear's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Bear's dominant minimal exposure actually means, with real examples from across the dataset.