Cape Neddick, ME
Cape Neddick wildfire risk explained
Cape Neddick sits at the 27th 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 3,479 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cape Neddick at the 24th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Cape Neddick's building exposure, zone by zone
Most of Cape Neddick's buildings (52.4% of 3,479) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Cape Neddick compares
Cape Neddick's 95th-percentile standing inside Maine outpaces its 27th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Cape Neddick ranks 22,878 for wildfire risk (1 is highest) and 4,794 by building count (1 is largest). Within Maine alone, it ranks 9 of 155 places by risk. See the full county-by-county picture for Maine on its state page.
Shopping for coverage in Cape Neddick
Cape Neddick's moderate rating (27th 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 Cape Neddick
With 52.4% of buildings rated Minimal exposure, Cape Neddick gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Cape Neddick's figures come from
Every one of the two percentiles behind Cape Neddick's 22,878-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cape Neddick's dominant minimal exposure actually means, with real examples from across the dataset.