Willards, MD
Willards, MD's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Willards lands at the 51st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 531 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Willards at the 51st percentile, close to its 51st-percentile risk score.
Willards's building exposure, zone by zone
531 buildings are counted in Willards, and 53.9% of them are Indirect exposure — ember-driven risk rather than the 46.1% in Direct exposure or the 0% rated Minimal.
Where Willards ranks
Within Maryland, Willards ranks higher (71st percentile) than it does nationally (51st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Willards ranks 15,410 for wildfire risk (1 is highest) and 16,849 by building count (1 is largest). Within Maryland alone, it ranks 153 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Willards
Willards's elevated wildfire rating (51st 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 ember exposure the dominant pattern in Willards (53.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Willards's 51st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Willards, see the exposure-zones guide.