Midland, MD
Midland, MD's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Midland at the 57th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 212 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Midland's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
What "at risk" means for the buildings here
Most of Midland's buildings (86.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Midland compares
Compare Midland's two percentiles: 81st within Maryland, only 57th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Midland ranks 13,463 for wildfire risk (1 is highest) and 24,399 by building count (1 is largest). Within Maryland alone, it ranks 101 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
Midland's elevated wildfire rating (57th 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
Because 86.3% of Midland's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Midland's figures come from
The methodology guide shows exactly how USFS turned 212 counted buildings into the percentiles shown above for Midland. The exposure-zones guide covers what Midland's dominant indirect exposure actually means, with real examples from across the dataset.