Tall Timbers, MD
How exposed is Tall Timbers to wildfire?
USFS scores Tall Timbers at the 59th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 232 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tall Timbers at the 58th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Tall Timbers's building exposure, zone by zone
USFS classifies 65.1% of Tall Timbers's buildings as Direct exposure, higher than its 9.1% Indirect share and far above its 25.9% Minimal share — a profile where 151 structures sit close enough to vegetation that lot clearing matters most.
How Tall Timbers compares
Within Maryland, Tall Timbers ranks higher (84th percentile) than it does nationally (59th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Tall Timbers ranks 12,952 for wildfire risk (1 is highest) and 23,738 by building count (1 is largest). Within Maryland alone, it ranks 83 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
Tall Timbers's elevated rating (59th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Tall Timbers's 65.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Tall Timbers's figures come from
Every one of the two percentiles behind Tall Timbers's 12,952-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Tall Timbers's dominant direct exposure actually means, with real examples from across the dataset.