Calvert Beach, MD
Calvert Beach wildfire risk explained
USFS's Wildfire Risk to Communities model puts Calvert Beach at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 355 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Calvert Beach's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Calvert Beach's building exposure, zone by zone
Direct exposure dominates in Calvert Beach: 85.6% of its 355 buildings, versus 14.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Calvert Beach ranks
Within Maryland, Calvert Beach ranks higher (93rd percentile) than it does nationally (72nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Calvert Beach ranks 8,949 for wildfire risk (1 is highest) and 20,186 by building count (1 is largest). Within Maryland alone, it ranks 36 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Calvert Beach and the insurance market
Calvert Beach's 72nd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 85.6% of Calvert Beach 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.
More on how this number was built
Every one of the two percentiles behind Calvert Beach's 8,949-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Calvert Beach, see the exposure-zones guide.