Henderson, MD
Henderson wildfire risk explained
Out of every US place USFS scores, Henderson lands at the 43rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 66 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Henderson's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
Where Henderson's buildings actually sit
66 buildings are counted in Henderson, and 50% 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.
How Henderson compares
Henderson's 63rd-percentile standing inside Maryland outpaces its 43rd 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, Henderson ranks 17,835 for wildfire risk (1 is highest) and 30,421 by building count (1 is largest). Within Maryland alone, it ranks 198 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Henderson and the insurance market
At the 43rd national percentile, Henderson rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Henderson's 50% 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.
More on how this number was built
Every one of the two percentiles behind Henderson's 17,835-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Henderson, see the exposure-zones guide.