Funkstown, MD
Funkstown wildfire risk explained
Out of every US place USFS scores, Funkstown lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 388 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Funkstown at the 21st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Funkstown's building exposure, zone by zone
USFS classifies 87.1% of Funkstown's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 12.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Funkstown compares
Funkstown's risk sits at a similar level relative to Maryland (26th percentile statewide) as it does nationally (21st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Funkstown ranks 25,060 for wildfire risk (1 is highest) and 19,445 by building count (1 is largest). Within Maryland alone, it ranks 388 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Funkstown and the insurance market
Funkstown's moderate rating (21st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 87.1% of buildings rated Minimal exposure, Funkstown gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Funkstown's figures come from
Funkstown's 21st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Funkstown's dominant minimal exposure actually means, with real examples from across the dataset.