Hutton, MD
Hutton wildfire risk explained
Hutton sits at the 48th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 59 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hutton's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
What "at risk" means for the buildings here
Of Hutton's 59 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Hutton ranks
Compare Hutton's two percentiles: 67th within Maryland, only 48th nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hutton ranks 16,452 for wildfire risk (1 is highest) and 30,679 by building count (1 is largest). Within Maryland alone, it ranks 174 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Hutton
Hutton's elevated wildfire rating (48th 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.
What would actually reduce this score
Hutton's 100% 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
Hutton's 48th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hutton, see the exposure-zones guide.