From Zarko Gajic,
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If you need to know the location of a document displayed in a TWebBrowser component, you need to get the Protocol property of the IHTMLLocation. Here's a function that returns true if a document in a WebBrowser is stored locally:

~~~~~~~~~~~~~~~~~~~~~~~~~
function WB_DocumentOnLocalDrive(wb: TWebBrowser): boolean;
const
   fileProtocol = 'file:';
var
   protocol : string;
begin
   if Assigned(wb.Document) then
     protocol := wb.Oleobject.Document.Location.Protocol;

   result := protocol = fileProtocol;
end;

Usage:
if WB_DocumentOnLocalDrive(WebBrowser1) then ShowMessage('Document on a local or network drive') ;
~~~~~~~~~~~~~~~~~~~~~~~~~

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