Naples, ME
How exposed is Naples to wildfire?
Naples sits at the 15th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 493 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Naples's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Where Naples's buildings actually sit
71.4% of Naples's 493 buildings sit in USFS's Direct exposure zone, roughly 352 structures close enough to burnable vegetation for flame contact, not just embers — 26.2% fall in the Indirect, ember-only zone and 2.4% are Minimal.
Naples against the rest of the country
Compare Naples's two percentiles: 70th within Maine, only 15th nationally — a gap of 55 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Naples ranks 26,912 for wildfire risk (1 is highest) and 17,472 by building count (1 is largest). Within Maine alone, it ranks 48 of 155 places by risk. See the full county-by-county picture for Maine on its state page.
Shopping for coverage in Naples
At the 15th national percentile, Naples rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Naples's 71.4% 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
Naples's 15th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Naples, see the exposure-zones guide.