Frenchtown-Rumbly, MD
Frenchtown-Rumbly wildfire risk explained
USFS's Wildfire Risk to Communities model puts Frenchtown-Rumbly at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 143 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Frenchtown-Rumbly's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Frenchtown-Rumbly's building exposure, zone by zone
143 buildings are counted in Frenchtown-Rumbly, and 63.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 30.8% rated Minimal.
How Frenchtown-Rumbly compares
There's little gap between Frenchtown-Rumbly's 98th national percentile and its 100th percentile inside Maryland, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Frenchtown-Rumbly ranks 604 for wildfire risk (1 is highest) and 27,159 by building count (1 is largest). Within Maryland alone, it ranks 3 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Frenchtown-Rumbly and the insurance market
At the 98th percentile nationally, Frenchtown-Rumbly carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because Direct exposure dominates in Frenchtown-Rumbly (63.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Frenchtown-Rumbly's figures come from
Every one of the two percentiles behind Frenchtown-Rumbly's 604-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Frenchtown-Rumbly's dominant direct exposure actually means, with real examples from across the dataset.