Whitehaven, MD
How exposed is Whitehaven to wildfire?
Whitehaven sits at the 93rd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 62 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Whitehaven at the 93rd percentile, close to its 93rd-percentile risk score.
Where Whitehaven's buildings actually sit
62 buildings are counted in Whitehaven, and 91.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 8.1% rated Minimal.
Whitehaven against the rest of the country
Whitehaven's risk sits at a similar level relative to Maryland (98th percentile statewide) as it does nationally (93rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Whitehaven ranks 2,080 for wildfire risk (1 is highest) and 30,577 by building count (1 is largest). Within Maryland alone, it ranks 12 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Whitehaven
Whitehaven's 93rd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 91.9% of Whitehaven 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.
Where Whitehaven's figures come from
Whitehaven's 93rd-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 Whitehaven's dominant direct exposure actually means, with real examples from across the dataset.