Summerfield, MD
Summerfield, MD's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Summerfield lands at the 26th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 4,124 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Summerfield at the 26th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Summerfield's building exposure, zone by zone
90.8% of Summerfield's 4,124 buildings sit in USFS's Minimal exposure zone, with only 9.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Summerfield ranks
Summerfield's risk sits at a similar level relative to Maryland (37th percentile statewide) as it does nationally (26th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Summerfield ranks 23,358 for wildfire risk (1 is highest) and 4,123 by building count (1 is largest). Within Maryland alone, it ranks 331 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Summerfield
Summerfield's moderate rating (26th 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
Summerfield's 90.8% 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.
Where Summerfield's figures come from
The methodology guide shows exactly how USFS turned 4,124 counted buildings into the percentiles shown above for Summerfield. The exposure-zones guide covers what Summerfield's dominant minimal exposure actually means, with real examples from across the dataset.