Owings Mills, MD
How exposed is Owings Mills to wildfire?
USFS scores Owings Mills at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 4,988 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Owings Mills at the 10th percentile, close to its 11th-percentile risk score.
What "at risk" means for the buildings here
4,988 buildings are counted in Owings Mills, and 39.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 25.3% rated Minimal.
Where Owings Mills ranks
Owings Mills scores 11th nationally and 7th 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, Owings Mills ranks 27,928 for wildfire risk (1 is highest) and 3,432 by building count (1 is largest). Within Maryland alone, it ranks 490 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
Owings Mills's low wildfire rating (11th 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
With 39.3% of Owings Mills in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Owings Mills's figures come from
Every one of the two percentiles behind Owings Mills's 27,928-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Owings Mills's dominant direct exposure actually means, with real examples from across the dataset.