Elliott, MD
Elliott, MD's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Elliott at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 92 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elliott at the 98th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Elliott's building exposure, zone by zone
92 buildings are counted in Elliott, and 98.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 1.1% rated Minimal.
Elliott against the rest of the country
Elliott's risk sits at a similar level relative to Maryland (100th percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Elliott ranks 322 for wildfire risk (1 is highest) and 29,403 by building count (1 is largest). Within Maryland alone, it ranks 1 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Elliott and the insurance market
Elliott's very high rating (99th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because Direct exposure dominates in Elliott (98.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Elliott's figures come from
The methodology guide shows exactly how USFS turned 92 counted buildings into the percentiles shown above for Elliott. The exposure-zones guide covers what Elliott's dominant direct exposure actually means, with real examples from across the dataset.