Overlea, MD
Overlea, MD's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Overlea lands at the 17th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 4,173 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Overlea at the 19th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Overlea's buildings actually sit
Most of Overlea's buildings (87.3% of 4,173) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Overlea against the rest of the country
Overlea scores 17th nationally and 18th 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, Overlea ranks 26,161 for wildfire risk (1 is highest) and 4,076 by building count (1 is largest). Within Maryland alone, it ranks 430 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
Overlea's low rating (17th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Overlea
With 87.3% of buildings rated Minimal exposure, Overlea 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
Overlea's 17th-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 Overlea, see the exposure-zones guide.