Cavetown, MD
Cavetown wildfire risk explained
Out of every US place USFS scores, Cavetown lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 820 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cavetown's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
Where Cavetown's buildings actually sit
53.3% of Cavetown's 820 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 46.2% Direct and 0.5% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Cavetown ranks
Within Maryland, Cavetown ranks higher (69th percentile) than it does nationally (49th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Cavetown ranks 16,200 for wildfire risk (1 is highest) and 13,449 by building count (1 is largest). Within Maryland alone, it ranks 165 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
Cavetown's elevated rating (49th 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 53.3% of Cavetown's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Cavetown's 16,200-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Cavetown, see the exposure-zones guide.