Kemp Mill, MD
Kemp Mill, MD's wildfire risk, in USFS's own numbers
USFS scores Kemp Mill at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 3,637 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kemp Mill at the 9th percentile, close to its 9th-percentile risk score.
Where Kemp Mill's buildings actually sit
62.8% of Kemp Mill's 3,637 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 31.1% Direct and 6.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Kemp Mill compares
Kemp Mill scores 9th nationally and 4th within Maryland — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Kemp Mill ranks 28,556 for wildfire risk (1 is highest) and 4,610 by building count (1 is largest). Within Maryland alone, it ranks 508 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 9th national percentile, Kemp Mill rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Kemp Mill
With ember exposure the dominant pattern in Kemp Mill (62.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Kemp Mill's figures come from
The methodology guide shows exactly how USFS turned 3,637 counted buildings into the percentiles shown above for Kemp Mill. The exposure-zones guide covers what Kemp Mill's dominant indirect exposure actually means, with real examples from across the dataset.