Middletown, DE
How exposed is Middletown to wildfire?
Middletown sits at the 36th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 6,126 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Middletown's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
Middletown's building exposure, zone by zone
Only 19.4% of Middletown's 6,126 buildings carry Direct exposure and 11.1% carry Indirect; the remaining 69.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 6,126 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Middletown against the rest of the country
Middletown scores 36th nationally and 32nd within Delaware — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Middletown ranks 20,254 for wildfire risk (1 is highest) and 2,829 by building count (1 is largest). Within Delaware alone, it ranks 55 of 79 places by risk. See the full county-by-county picture for Delaware on its state page.
Middletown and the insurance market
Middletown's moderate wildfire rating (36th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Middletown
With 69.6% of buildings rated Minimal exposure, Middletown gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Middletown's figures come from
Every one of the two percentiles behind Middletown's 20,254-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Middletown's dominant minimal exposure actually means, with real examples from across the dataset.