Graceham, MD
How exposed is Graceham to wildfire?
Graceham's 157 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Graceham at the 12th percentile, close to its 12th-percentile risk score.
Graceham's building exposure, zone by zone
157 buildings are counted in Graceham, and 73.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Graceham against the rest of the country
Graceham's risk sits at a similar level relative to Maryland (8th percentile statewide) as it does nationally (12th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Graceham ranks 27,802 for wildfire risk (1 is highest) and 26,567 by building count (1 is largest). Within Maryland alone, it ranks 487 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
Graceham's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Graceham's 73.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Graceham's figures come from
Every one of the two percentiles behind Graceham's 27,802-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Graceham's dominant direct exposure actually means, with real examples from across the dataset.