Severn, MD
Severn wildfire risk explained
Out of every US place USFS scores, Severn lands at the 28th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 14,543 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Severn at the 28th percentile, close to its 28th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 73.4% of Severn's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 26.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 14,543 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Severn against the rest of the country
Severn scores 28th nationally and 42nd within Maryland — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Severn ranks 22,755 for wildfire risk (1 is highest) and 1,031 by building count (1 is largest). Within Maryland alone, it ranks 305 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Severn
Severn's moderate wildfire rating (28th 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
Severn's 73.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 14,543 counted buildings into the percentiles shown above for Severn. For more on what minimal exposure implies beyond Severn, see the exposure-zones guide.