Bloomington, MD
Bloomington, MD's wildfire risk, in USFS's own numbers
USFS scores Bloomington at the 55th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 158 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bloomington's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
Bloomington's building exposure, zone by zone
158 buildings are counted in Bloomington, and 65.8% of them are Indirect exposure — ember-driven risk rather than the 34.2% in Direct exposure or the 0% rated Minimal.
Bloomington against the rest of the country
Within Maryland, Bloomington ranks higher (77th percentile) than it does nationally (55th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bloomington ranks 14,305 for wildfire risk (1 is highest) and 26,530 by building count (1 is largest). Within Maryland alone, it ranks 122 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Bloomington and the insurance market
Bloomington's elevated wildfire rating (55th 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.
Lowering exposure, not just insuring around it
Because 65.8% of Bloomington's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Bloomington's figures come from
Bloomington's 55th-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 Bloomington's dominant indirect exposure actually means, with real examples from across the dataset.