Drum Point, MD
Drum Point, MD's wildfire risk, in USFS's own numbers
USFS scores Drum Point at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,083 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 Drum Point at the 70th percentile, close to its 70th-percentile risk score.
What "at risk" means for the buildings here
83.4% of Drum Point's 1,083 buildings sit in USFS's Direct exposure zone, roughly 903 structures close enough to burnable vegetation for flame contact, not just embers — 9.4% fall in the Indirect, ember-only zone and 7.2% are Minimal.
Where Drum Point ranks
Within Maryland, Drum Point ranks higher (93rd percentile) than it does nationally (70th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Drum Point ranks 9,608 for wildfire risk (1 is highest) and 11,391 by building count (1 is largest). Within Maryland alone, it ranks 39 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Drum Point
Drum Point's 70th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 83.4% of Drum Point 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 Drum Point's 9,608-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Drum Point, see the exposure-zones guide.