Rock Point, MD
Rock Point, MD's wildfire risk, in USFS's own numbers
Rock Point sits at the 38th 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 73 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rock Point at the 34th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Rock Point's building exposure, zone by zone
73 buildings are counted in Rock Point, and 76.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 20.6% rated Minimal.
Rock Point against the rest of the country
Compare Rock Point's two percentiles: 57th within Maryland, only 38th nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Rock Point ranks 19,535 for wildfire risk (1 is highest) and 30,175 by building count (1 is largest). Within Maryland alone, it ranks 228 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Rock Point
Rock Point's moderate wildfire rating (38th 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.
What would actually reduce this score
Rock Point's 76.7% 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
The methodology guide shows exactly how USFS turned 73 counted buildings into the percentiles shown above for Rock Point. For more on what direct exposure implies beyond Rock Point, see the exposure-zones guide.