Owings, MD
Owings, MD's wildfire risk, in USFS's own numbers
Owings's 916 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Owings's burn probability — fire likelihood with no building count factored in — sits at the 52nd percentile nationally.
Owings's building exposure, zone by zone
92.4% of Owings's 916 buildings sit in USFS's Direct exposure zone, roughly 846 structures close enough to burnable vegetation for flame contact, not just embers — 7.6% fall in the Indirect, ember-only zone and 0% are Minimal.
How Owings compares
Compare Owings's two percentiles: 70th within Maryland, only 51st nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Owings ranks 15,538 for wildfire risk (1 is highest) and 12,587 by building count (1 is largest). Within Maryland alone, it ranks 157 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
At the 51st national percentile, Owings rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Owings (92.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Owings's figures come from
Owings's 51st-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 Owings's dominant direct exposure actually means, with real examples from across the dataset.