Beaver Creek, MD
Beaver Creek, MD's wildfire risk, in USFS's own numbers
Beaver Creek sits at the 42nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 299 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Beaver Creek at the 41st national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
94.3% of Beaver Creek's 299 buildings sit in USFS's Direct exposure zone, roughly 282 structures close enough to burnable vegetation for flame contact, not just embers — 0.3% fall in the Indirect, ember-only zone and 5.4% are Minimal.
How Beaver Creek compares
Beaver Creek's 60th-percentile standing inside Maryland outpaces its 42nd 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, Beaver Creek ranks 18,338 for wildfire risk (1 is highest) and 21,652 by building count (1 is largest). Within Maryland alone, it ranks 210 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
Beaver Creek's elevated wildfire rating (42nd 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.
What would actually reduce this score
Because Direct exposure dominates in Beaver Creek (94.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Beaver Creek's 42nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Beaver Creek, see the exposure-zones guide.