Cloverly, MD
Cloverly wildfire risk explained
Cloverly sits at the 16th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 4,901 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cloverly at the 14th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Cloverly's buildings actually sit
78.9% of Cloverly's 4,901 buildings sit in USFS's Direct exposure zone, roughly 3,865 structures close enough to burnable vegetation for flame contact, not just embers — 3.9% fall in the Indirect, ember-only zone and 17.3% are Minimal.
Cloverly against the rest of the country
Cloverly's risk sits at a similar level relative to Maryland (16th percentile statewide) as it does nationally (16th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cloverly ranks 26,505 for wildfire risk (1 is highest) and 3,491 by building count (1 is largest). Within Maryland alone, it ranks 440 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Cloverly
Cloverly's low rating (16th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Cloverly (78.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Cloverly's figures come from
Every one of the two percentiles behind Cloverly's 26,505-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cloverly's dominant direct exposure actually means, with real examples from across the dataset.