Charlotte Hall, MD
How exposed is Charlotte Hall to wildfire?
Charlotte Hall sits at the 48th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 860 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Charlotte Hall at the 48th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Charlotte Hall's building exposure, zone by zone
Of Charlotte Hall's 860 counted buildings, 82.4% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Charlotte Hall ranks
Charlotte Hall's 68th-percentile standing inside Maryland outpaces its 48th 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, Charlotte Hall ranks 16,293 for wildfire risk (1 is highest) and 13,082 by building count (1 is largest). Within Maryland alone, it ranks 171 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Charlotte Hall and the insurance market
At the 48th national percentile, Charlotte Hall rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 82.4% of Charlotte Hall 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 Charlotte Hall's 16,293-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Charlotte Hall, see the exposure-zones guide.