Barclay, MD
Barclay wildfire risk explained
Barclay's 117 buildings earn a 26th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Barclay at the 26th percentile, close to its 26th-percentile risk score.
Where Barclay's buildings actually sit
53.9% of Barclay's 117 buildings sit in USFS's Minimal exposure zone, with only 46.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Barclay compares
Barclay scores 26th nationally and 37th 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, Barclay ranks 23,418 for wildfire risk (1 is highest) and 28,306 by building count (1 is largest). Within Maryland alone, it ranks 333 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
Barclay's moderate wildfire rating (26th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Barclay
Even with 53.9% of Barclay outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Barclay's figures come from
Barclay's 26th-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 Barclay's dominant minimal exposure actually means, with real examples from across the dataset.