Spencerville, MD
Spencerville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Spencerville at the 20th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 705 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spencerville at the 18th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Spencerville's building exposure, zone by zone
Of Spencerville's 705 counted buildings, 98.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Spencerville compares
Spencerville scores 20th nationally and 24th 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, Spencerville ranks 25,340 for wildfire risk (1 is highest) and 14,602 by building count (1 is largest). Within Maryland alone, it ranks 399 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
Spencerville's low wildfire rating (20th 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 Spencerville
Because Direct exposure dominates in Spencerville (98.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Spencerville's 25,340-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Spencerville, see the exposure-zones guide.