Lochearn, MD
How exposed is Lochearn to wildfire?
USFS scores Lochearn at the 6th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 7,871 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lochearn at the 7th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 66.4% of Lochearn's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 31.3% Direct and 2.4% Indirect — a landscape-level risk rather than a building-by-building one. At 7,871 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Lochearn ranks
Lochearn's risk sits at a similar level relative to Maryland (0th percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lochearn ranks 29,504 for wildfire risk (1 is highest) and 2,156 by building count (1 is largest). Within Maryland alone, it ranks 526 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
Lochearn's low wildfire rating (6th 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
With 66.4% of buildings rated Minimal exposure, Lochearn gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Lochearn's 6th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Lochearn, see the exposure-zones guide.