Jesterville, MD
Jesterville wildfire risk explained
Jesterville sits at the 96th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 176 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Jesterville's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
What "at risk" means for the buildings here
Of Jesterville's 176 counted buildings, 95.5% carry Direct exposure and only 0.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Jesterville ranks
Jesterville's risk sits at a similar level relative to Maryland (99th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Jesterville ranks 1,323 for wildfire risk (1 is highest) and 25,781 by building count (1 is largest). Within Maryland alone, it ranks 9 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
Jesterville's very high rating (96th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because Direct exposure dominates in Jesterville (95.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Jesterville's figures come from
Jesterville's 96th-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 Jesterville's dominant direct exposure actually means, with real examples from across the dataset.