Carlos, MD
Carlos, MD's wildfire risk, in USFS's own numbers
Carlos sits at the 53rd 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 100 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carlos's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Carlos's building exposure, zone by zone
85% of Carlos's 100 buildings sit in USFS's Direct exposure zone, roughly 85 structures close enough to burnable vegetation for flame contact, not just embers — 15% fall in the Indirect, ember-only zone and 0% are Minimal.
Carlos against the rest of the country
Carlos's 73rd-percentile standing inside Maryland outpaces its 53rd 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, Carlos ranks 14,717 for wildfire risk (1 is highest) and 29,033 by building count (1 is largest). Within Maryland alone, it ranks 141 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Carlos and the insurance market
At the 53rd national percentile, Carlos rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Carlos (85%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Carlos's figures come from
Every one of the two percentiles behind Carlos's 14,717-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Carlos's dominant direct exposure actually means, with real examples from across the dataset.