Frostburg, MD
Frostburg, MD's wildfire risk, in USFS's own numbers
Frostburg's 2,801 buildings earn a 52nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Frostburg at the 50th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Frostburg's building exposure, zone by zone
2,801 buildings are counted in Frostburg, and 78.4% of them are Indirect exposure — ember-driven risk rather than the 21.5% in Direct exposure or the 0% rated Minimal.
Where Frostburg ranks
Frostburg's 72nd-percentile standing inside Maryland outpaces its 52nd 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, Frostburg ranks 15,156 for wildfire risk (1 is highest) and 5,762 by building count (1 is largest). Within Maryland alone, it ranks 149 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
Frostburg's elevated wildfire rating (52nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Frostburg
Because 78.4% of Frostburg's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,801 counted buildings into the percentiles shown above for Frostburg. For more on what indirect exposure implies beyond Frostburg, see the exposure-zones guide.