Allen, MD
Allen, MD's wildfire risk, in USFS's own numbers
Allen sits at the 77th 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 128 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 Allen at the 78th percentile, close to its 77th-percentile risk score.
Allen's building exposure, zone by zone
76.6% of Allen's 128 buildings sit in USFS's Direct exposure zone, roughly 98 structures close enough to burnable vegetation for flame contact, not just embers — 23.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Allen against the rest of the country
Within Maryland, Allen ranks higher (95th percentile) than it does nationally (77th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Allen ranks 7,216 for wildfire risk (1 is highest) and 27,802 by building count (1 is largest). Within Maryland alone, it ranks 25 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Allen
Allen's 77th-percentile, 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.
What would actually reduce this score
Allen's 76.6% 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
The methodology guide shows exactly how USFS turned 128 counted buildings into the percentiles shown above for Allen. For more on what direct exposure implies beyond Allen, see the exposure-zones guide.