Tilghmanton, MD
Tilghmanton wildfire risk explained
USFS scores Tilghmanton at the 39th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 269 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 Tilghmanton at the 40th percentile, close to its 39th-percentile risk score.
Where Tilghmanton's buildings actually sit
269 buildings are counted in Tilghmanton, and 89.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Tilghmanton against the rest of the country
Compare Tilghmanton's two percentiles: 58th within Maryland, only 39th nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Tilghmanton ranks 19,313 for wildfire risk (1 is highest) and 22,536 by building count (1 is largest). Within Maryland alone, it ranks 224 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Tilghmanton and the insurance market
Tilghmanton's moderate wildfire rating (39th 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 Tilghmanton
Tilghmanton's 89.2% 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.
More on how this number was built
Tilghmanton's 39th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Tilghmanton, see the exposure-zones guide.