Lutherville, MD
Lutherville, MD's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Lutherville at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,744 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lutherville at the 9th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
37.9% of Lutherville's 2,744 buildings sit in USFS's Minimal exposure zone, with only 37.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Lutherville ranks
There's little gap between Lutherville's 9th national percentile and its 3rd percentile inside Maryland, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lutherville ranks 28,648 for wildfire risk (1 is highest) and 5,859 by building count (1 is largest). Within Maryland alone, it ranks 510 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Lutherville
Lutherville's low wildfire rating (9th 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.
Lowering exposure, not just insuring around it
With 37.9% of buildings rated Minimal exposure, Lutherville 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
Every one of the two percentiles behind Lutherville's 28,648-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Lutherville, see the exposure-zones guide.