St. George Island, MD
How exposed is St. George Island to wildfire?
St. George Island's 240 buildings earn a 59th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts St. George Island at the 57th percentile, close to its 59th-percentile risk score.
Where St. George Island's buildings actually sit
240 buildings are counted in St. George Island, and 77.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 22.9% rated Minimal.
How St. George Island compares
Within Maryland, St. George Island ranks higher (85th percentile) than it does nationally (59th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, St. George Island ranks 12,797 for wildfire risk (1 is highest) and 23,463 by building count (1 is largest). Within Maryland alone, it ranks 82 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 59th national percentile, St. George Island rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 77.1% of St. George Island in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
St. George Island's 59th-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 St. George Island, see the exposure-zones guide.