Delmar, MD
Delmar wildfire risk explained
USFS scores Delmar at the 67th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,152 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Delmar at the 67th percentile, close to its 67th-percentile risk score.
Delmar's building exposure, zone by zone
Indirect exposure is dominant in Delmar (83.5% of 1,152 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 16.5% sit in the Direct zone.
Delmar against the rest of the country
Compare Delmar's two percentiles: 91st within Maryland, only 67th nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Delmar ranks 10,461 for wildfire risk (1 is highest) and 10,942 by building count (1 is largest). Within Maryland alone, it ranks 49 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
At the 67th percentile nationally, Delmar carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because 83.5% of Delmar'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
The methodology guide shows exactly how USFS turned 1,152 counted buildings into the percentiles shown above for Delmar. For more on what indirect exposure implies beyond Delmar, see the exposure-zones guide.