Hagerstown, MD
Hagerstown, MD's wildfire risk, in USFS's own numbers
Hagerstown's 10,897 buildings earn a 16th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hagerstown at the 17th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hagerstown's building exposure, zone by zone
94.6% of Hagerstown's 10,897 buildings sit in USFS's Minimal exposure zone, with only 5.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 10,897 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Hagerstown compares
Hagerstown's risk sits at a similar level relative to Maryland (17th percentile statewide) as it does nationally (16th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hagerstown ranks 26,474 for wildfire risk (1 is highest) and 1,453 by building count (1 is largest). Within Maryland alone, it ranks 439 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Hagerstown and the insurance market
At the 16th national percentile, Hagerstown rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Hagerstown
Even with 94.6% of Hagerstown outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Hagerstown's figures come from
Every one of the two percentiles behind Hagerstown's 26,474-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hagerstown's dominant minimal exposure actually means, with real examples from across the dataset.