San Mar, MD
San Mar, MD's wildfire risk, in USFS's own numbers
San Mar sits at the 60th 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 164 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks San Mar at the 56th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
75.6% of San Mar's 164 buildings sit in USFS's Direct exposure zone, roughly 124 structures close enough to burnable vegetation for flame contact, not just embers — 24.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where San Mar ranks
Within Maryland, San Mar ranks higher (85th percentile) than it does nationally (60th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, San Mar ranks 12,731 for wildfire risk (1 is highest) and 26,251 by building count (1 is largest). Within Maryland alone, it ranks 80 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in San Mar
San Mar's elevated wildfire rating (60th 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
San Mar's 75.6% 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
San Mar's 60th-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 San Mar, see the exposure-zones guide.