Federalsburg, MD
How exposed is Federalsburg to wildfire?
USFS's Wildfire Risk to Communities model puts Federalsburg at the 65th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,222 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Federalsburg at the 65th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Federalsburg's buildings actually sit
1,222 buildings are counted in Federalsburg, and 71.2% of them are Indirect exposure — ember-driven risk rather than the 28.8% in Direct exposure or the 0% rated Minimal.
Federalsburg against the rest of the country
Federalsburg's 89th-percentile standing inside Maryland outpaces its 65th 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, Federalsburg ranks 11,159 for wildfire risk (1 is highest) and 10,524 by building count (1 is largest). Within Maryland alone, it ranks 57 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 65th percentile nationally, Federalsburg 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.
Lowering exposure, not just insuring around it
Federalsburg's 71.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,222 counted buildings into the percentiles shown above for Federalsburg. For more on what indirect exposure implies beyond Federalsburg, see the exposure-zones guide.