Franklin, MD
Franklin, MD's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Franklin at the 55th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 87 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Franklin's burn probability — fire likelihood with no building count factored in — sits at the 55th percentile nationally.
Where Franklin's buildings actually sit
Direct exposure dominates in Franklin: 58.6% of its 87 buildings, versus 41.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Franklin against the rest of the country
Franklin's 77th-percentile standing inside Maryland outpaces its 55th 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, Franklin ranks 14,184 for wildfire risk (1 is highest) and 29,619 by building count (1 is largest). Within Maryland alone, it ranks 120 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
Franklin's elevated rating (55th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Franklin
Because Direct exposure dominates in Franklin (58.6%), 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 87 counted buildings into the percentiles shown above for Franklin. For more on what direct exposure implies beyond Franklin, see the exposure-zones guide.