Monrovia, MD
How exposed is Monrovia to wildfire?
USFS's Wildfire Risk to Communities model puts Monrovia at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 754 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 Monrovia at the 12th percentile, close to its 13th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 62.9% of Monrovia's 754 buildings in the Indirect exposure zone, versus 37.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Monrovia compares
Monrovia scores 13th nationally and 9th within Maryland — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Monrovia ranks 27,576 for wildfire risk (1 is highest) and 14,077 by building count (1 is largest). Within Maryland alone, it ranks 479 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Monrovia
Monrovia's low wildfire rating (13th 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.
Hardening a home in Monrovia
Because 62.9% of Monrovia'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 Monrovia's figures come from
Monrovia's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Monrovia's dominant indirect exposure actually means, with real examples from across the dataset.