Milford Mill, MD
Milford Mill wildfire risk explained
USFS scores Milford Mill at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 6,339 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milford Mill at the 12th national percentile — 1 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
Indirect exposure is dominant in Milford Mill (53.6% of 6,339 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 21.8% sit in the Direct zone. At 6,339 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Milford Mill against the rest of the country
There's little gap between Milford Mill's 14th national percentile and its 11th percentile inside Maryland, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Milford Mill ranks 27,196 for wildfire risk (1 is highest) and 2,731 by building count (1 is largest). Within Maryland alone, it ranks 473 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Milford Mill and the insurance market
Milford Mill's low rating (14th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Milford Mill's 53.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 6,339 counted buildings into the percentiles shown above for Milford Mill. For more on what indirect exposure implies beyond Milford Mill, see the exposure-zones guide.