Somerset, MD
Somerset, MD's wildfire risk, in USFS's own numbers
Somerset sits at the 10th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 435 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Somerset at the 10th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Somerset's buildings actually sit
Most of Somerset's buildings (55.2% of 435) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Somerset compares
Somerset scores 10th nationally and 4th 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, Somerset ranks 28,522 for wildfire risk (1 is highest) and 18,550 by building count (1 is largest). Within Maryland alone, it ranks 507 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Somerset
Somerset's low rating (10th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Somerset's 55.2% 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
Every one of the two percentiles behind Somerset's 28,522-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Somerset, see the exposure-zones guide.