Urbana, MD
Urbana, MD's wildfire risk, in USFS's own numbers
Urbana's 2,806 buildings earn a 18th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Urbana's burn probability — fire likelihood with no building count factored in — sits at the 17th percentile nationally.
Where Urbana's buildings actually sit
2,806 buildings are counted in Urbana, and 55.1% of them are Indirect exposure — ember-driven risk rather than the 26.3% in Direct exposure or the 18.6% rated Minimal.
How Urbana compares
Urbana scores 18th nationally and 22nd 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, Urbana ranks 25,746 for wildfire risk (1 is highest) and 5,755 by building count (1 is largest). Within Maryland alone, it ranks 412 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
Urbana's low rating (18th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Urbana
Urbana's 55.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Urbana's figures come from
Urbana's 18th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Urbana's dominant indirect exposure actually means, with real examples from across the dataset.