Eagle Harbor, MD
Eagle Harbor, MD's wildfire risk, in USFS's own numbers
Eagle Harbor sits at the 54th 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 74 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Eagle Harbor at the 53rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Eagle Harbor's building exposure, zone by zone
USFS classifies 70.3% of Eagle Harbor's buildings as Direct exposure, higher than its 25.7% Indirect share and far above its 4.1% Minimal share — a profile where 52 structures sit close enough to vegetation that lot clearing matters most.
How Eagle Harbor compares
Compare Eagle Harbor's two percentiles: 74th within Maryland, only 54th nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Eagle Harbor ranks 14,587 for wildfire risk (1 is highest) and 30,132 by building count (1 is largest). Within Maryland alone, it ranks 138 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
Eagle Harbor's elevated rating (54th 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 Eagle Harbor
Because Direct exposure dominates in Eagle Harbor (70.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 74 counted buildings into the percentiles shown above for Eagle Harbor. For more on what direct exposure implies beyond Eagle Harbor, see the exposure-zones guide.