Friendly, MD
Friendly, MD's wildfire risk, in USFS's own numbers
USFS scores Friendly at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 3,721 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Friendly at the 34th percentile, close to its 35th-percentile risk score.
Where Friendly's buildings actually sit
61.7% of Friendly's 3,721 buildings sit in USFS's Direct exposure zone, roughly 2,297 structures close enough to burnable vegetation for flame contact, not just embers — 30.3% fall in the Indirect, ember-only zone and 8% are Minimal.
How Friendly compares
Within Maryland, Friendly ranks higher (53rd percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Friendly ranks 20,513 for wildfire risk (1 is highest) and 4,500 by building count (1 is largest). Within Maryland alone, it ranks 248 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
At the 35th national percentile, Friendly rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Friendly's 61.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,721 counted buildings into the percentiles shown above for Friendly. For more on what direct exposure implies beyond Friendly, see the exposure-zones guide.