Konterra, MD
Konterra wildfire risk explained
Konterra sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,058 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Konterra's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Where Konterra's buildings actually sit
59.5% of Konterra's 1,058 buildings sit in USFS's Minimal exposure zone, with only 36.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Konterra compares
Konterra's risk sits at a similar level relative to Maryland (34th percentile statewide) as it does nationally (24th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Konterra ranks 23,884 for wildfire risk (1 is highest) and 11,538 by building count (1 is largest). Within Maryland alone, it ranks 349 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
Konterra's moderate wildfire rating (24th 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
Even with 59.5% of Konterra 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 Konterra's figures come from
Every one of the two percentiles behind Konterra's 23,884-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Konterra's dominant minimal exposure actually means, with real examples from across the dataset.