Stockton, MD
Stockton wildfire risk explained
Stockton's 114 buildings earn a 65th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stockton's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
Where Stockton's buildings actually sit
Of Stockton's 114 counted buildings, 75.4% 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.
Stockton against the rest of the country
Compare Stockton's two percentiles: 90th within Maryland, only 65th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Stockton ranks 10,968 for wildfire risk (1 is highest) and 28,455 by building count (1 is largest). Within Maryland alone, it ranks 54 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
Stockton's high rating (65th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With 75.4% of Stockton 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 114 counted buildings into the percentiles shown above for Stockton. For more on what direct exposure implies beyond Stockton, see the exposure-zones guide.