Fairmount, MD
Fairmount, MD's wildfire risk, in USFS's own numbers
USFS scores Fairmount at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 410 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairmount at the 94th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Fairmount's building exposure, zone by zone
Of Fairmount's 410 counted buildings, 97.8% carry Direct exposure and only 0.2% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Fairmount against the rest of the country
There's little gap between Fairmount's 97th national percentile and its 99th percentile inside Maryland, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fairmount ranks 1,100 for wildfire risk (1 is highest) and 19,029 by building count (1 is largest). Within Maryland alone, it ranks 8 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
Fairmount's very high rating (97th 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 Fairmount (97.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 410 counted buildings into the percentiles shown above for Fairmount. For more on what direct exposure implies beyond Fairmount, see the exposure-zones guide.