Bowleys Quarters, MD
Bowleys Quarters, MD's wildfire risk, in USFS's own numbers
Bowleys Quarters sits at the 29th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 2,714 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bowleys Quarters's burn probability — fire likelihood with no building count factored in — sits at the 26th percentile nationally.
Bowleys Quarters's building exposure, zone by zone
Only 26.7% of Bowleys Quarters's 2,714 buildings carry Direct exposure and 12.8% carry Indirect; the remaining 60.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Bowleys Quarters ranks
Compare Bowleys Quarters's two percentiles: 45th within Maryland, only 29th nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Bowleys Quarters ranks 22,340 for wildfire risk (1 is highest) and 5,907 by building count (1 is largest). Within Maryland alone, it ranks 292 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
Bowleys Quarters's moderate wildfire rating (29th 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 Bowleys Quarters
With 60.5% of buildings rated Minimal exposure, Bowleys Quarters gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,714 counted buildings into the percentiles shown above for Bowleys Quarters. For more on what minimal exposure implies beyond Bowleys Quarters, see the exposure-zones guide.