Algonquin, MD
Algonquin wildfire risk explained
Algonquin sits at the 75th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 738 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Algonquin at the 75th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Algonquin's building exposure, zone by zone
738 buildings are counted in Algonquin, and 54.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 27% rated Minimal.
Algonquin against the rest of the country
Algonquin's 95th-percentile standing inside Maryland outpaces its 75th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Algonquin ranks 7,790 for wildfire risk (1 is highest) and 14,237 by building count (1 is largest). Within Maryland alone, it ranks 27 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Algonquin and the insurance market
Algonquin's high rating (75th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Algonquin's 54.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Algonquin's 7,790-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Algonquin, see the exposure-zones guide.