Camden, DE
How exposed is Camden to wildfire?
Camden's 1,733 buildings earn a 36th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Camden at the 36th percentile, close to its 36th-percentile risk score.
What "at risk" means for the buildings here
72% of Camden's 1,733 buildings sit in USFS's Minimal exposure zone, with only 28% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Camden against the rest of the country
Camden scores 36th nationally and 33rd within Delaware — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Camden ranks 20,162 for wildfire risk (1 is highest) and 8,288 by building count (1 is largest). Within Delaware alone, it ranks 53 of 79 places by risk. See the full county-by-county picture for Delaware on its state page.
What this risk score means for insurance
Camden's moderate wildfire rating (36th 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
With 72% of buildings rated Minimal exposure, Camden gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Camden's figures come from
Every one of the two percentiles behind Camden's 20,162-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Camden's dominant minimal exposure actually means, with real examples from across the dataset.