Hurlock, MD
How exposed is Hurlock to wildfire?
USFS's Wildfire Risk to Communities model puts Hurlock at the 54th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,001 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hurlock at the 53rd percentile, close to its 54th-percentile risk score.
Where Hurlock's buildings actually sit
USFS puts 69.4% of Hurlock's 1,001 buildings in the Indirect exposure zone, versus 26.8% Direct and 3.8% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Hurlock against the rest of the country
Within Maryland, Hurlock ranks higher (75th percentile) than it does nationally (54th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hurlock ranks 14,496 for wildfire risk (1 is highest) and 11,925 by building count (1 is largest). Within Maryland alone, it ranks 133 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Hurlock and the insurance market
At the 54th national percentile, Hurlock 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
Hurlock's 69.4% 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.
Where Hurlock's figures come from
Every one of the two percentiles behind Hurlock's 14,496-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hurlock's dominant indirect exposure actually means, with real examples from across the dataset.