Seabrook, MD
How exposed is Seabrook to wildfire?
USFS's Wildfire Risk to Communities model puts Seabrook at the 30th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 4,373 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Seabrook at the 30th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Seabrook's buildings actually sit
85.8% of Seabrook's 4,373 buildings sit in USFS's Minimal exposure zone, with only 14.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Seabrook ranks
Within Maryland, Seabrook ranks higher (47th percentile) than it does nationally (30th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Seabrook ranks 22,059 for wildfire risk (1 is highest) and 3,905 by building count (1 is largest). Within Maryland alone, it ranks 282 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
At the 30th national percentile, Seabrook rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Seabrook
Even with 85.8% of Seabrook outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,373 counted buildings into the percentiles shown above for Seabrook. For more on what minimal exposure implies beyond Seabrook, see the exposure-zones guide.