Rock Hall, MD
How exposed is Rock Hall to wildfire?
Rock Hall sits at the 31st 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 1,022 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rock Hall's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Rock Hall's building exposure, zone by zone
59.3% of Rock Hall's 1,022 buildings sit in USFS's Direct exposure zone, roughly 606 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 40.7% are Minimal.
How Rock Hall compares
Within Maryland, Rock Hall ranks higher (49th percentile) than it does nationally (31st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Rock Hall ranks 21,709 for wildfire risk (1 is highest) and 11,785 by building count (1 is largest). Within Maryland alone, it ranks 273 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Rock Hall and the insurance market
Rock Hall's moderate wildfire rating (31st 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
Rock Hall's 59.3% 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.
Where Rock Hall's figures come from
Rock Hall's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Rock Hall's dominant direct exposure actually means, with real examples from across the dataset.