Lusby, MD
Lusby wildfire risk explained
USFS scores Lusby at the 73rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 871 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lusby's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Lusby: 92.3% of its 871 buildings, versus 6.7% Indirect and 1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Lusby compares
Compare Lusby's two percentiles: 94th within Maryland, only 73rd nationally — a gap of 21 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lusby ranks 8,377 for wildfire risk (1 is highest) and 12,975 by building count (1 is largest). Within Maryland alone, it ranks 31 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Lusby
Lusby's 73rd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Lusby's 92.3% 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
Lusby's 73rd-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 Lusby, see the exposure-zones guide.