Middle River, MD
Middle River, MD's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Middle River at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 8,877 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Middle River at the 25th percentile, close to its 26th-percentile risk score.
What "at risk" means for the buildings here
Only 19.5% of Middle River's 8,877 buildings carry Direct exposure and 0.8% carry Indirect; the remaining 79.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 8,877 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Middle River against the rest of the country
There's little gap between Middle River's 26th national percentile and its 38th percentile inside Maryland, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Middle River ranks 23,289 for wildfire risk (1 is highest) and 1,873 by building count (1 is largest). Within Maryland alone, it ranks 328 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Middle River
Middle River's moderate wildfire rating (26th 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
Middle River's 79.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Middle River's 26th-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 Middle River, see the exposure-zones guide.