Lake Arbor, MD
How exposed is Lake Arbor to wildfire?
USFS's Wildfire Risk to Communities model puts Lake Arbor at the 27th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,888 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 Lake Arbor at the 27th percentile, close to its 27th-percentile risk score.
Where Lake Arbor's buildings actually sit
76% of Lake Arbor's 3,888 buildings sit in USFS's Minimal exposure zone, with only 21.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Lake Arbor compares
Lake Arbor scores 27th nationally and 40th 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, Lake Arbor ranks 23,130 for wildfire risk (1 is highest) and 4,350 by building count (1 is largest). Within Maryland alone, it ranks 318 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
Lake Arbor's moderate rating (27th 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
Lake Arbor's 76% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,888 counted buildings into the percentiles shown above for Lake Arbor. For more on what minimal exposure implies beyond Lake Arbor, see the exposure-zones guide.