Ten Mile Creek, MD
Ten Mile Creek wildfire risk explained
Ten Mile Creek sits at the 23rd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 375 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ten Mile Creek's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
Where Ten Mile Creek's buildings actually sit
Direct exposure dominates in Ten Mile Creek: 95.5% of its 375 buildings, versus 4.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Ten Mile Creek ranks
There's little gap between Ten Mile Creek's 23rd national percentile and its 32nd percentile inside Maryland, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ten Mile Creek ranks 24,232 for wildfire risk (1 is highest) and 19,761 by building count (1 is largest). Within Maryland alone, it ranks 357 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
Ten Mile Creek's moderate wildfire rating (23rd 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.
What would actually reduce this score
Because Direct exposure dominates in Ten Mile Creek (95.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Ten Mile Creek's 24,232-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Ten Mile Creek, see the exposure-zones guide.