Port Tobacco Village, MD
Port Tobacco Village, MD's wildfire risk, in USFS's own numbers
Port Tobacco Village sits at the 43rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 16 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Port Tobacco Village at the 42nd percentile, close to its 43rd-percentile risk score.
Port Tobacco Village's building exposure, zone by zone
16 buildings are counted in Port Tobacco Village, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal. This is a small settlement by building count — 16 total — so these shares describe a handful of structures, not a statistical average across thousands.
Port Tobacco Village against the rest of the country
Port Tobacco Village's 61st-percentile standing inside Maryland outpaces its 43rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Port Tobacco Village ranks 18,056 for wildfire risk (1 is highest) and 31,483 by building count (1 is largest). Within Maryland alone, it ranks 206 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
Port Tobacco Village's elevated wildfire rating (43rd 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Port Tobacco Village (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Port Tobacco Village's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. At 16 buildings, Port Tobacco Village is close to the size where USFS's data gets thin — the data-quality guide explains why 517 places nationally get no score at all.