Yarrowsburg, MD
Yarrowsburg, MD's wildfire risk, in USFS's own numbers
USFS scores Yarrowsburg at the 67th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 96 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 Yarrowsburg at the 65th percentile, close to its 67th-percentile risk score.
Where Yarrowsburg's buildings actually sit
100% of Yarrowsburg's 96 buildings sit in USFS's Direct exposure zone, roughly 96 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Yarrowsburg against the rest of the country
Compare Yarrowsburg's two percentiles: 91st within Maryland, only 67th nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Yarrowsburg ranks 10,370 for wildfire risk (1 is highest) and 29,233 by building count (1 is largest). Within Maryland alone, it ranks 48 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Yarrowsburg
At the 67th percentile nationally, Yarrowsburg carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Yarrowsburg (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Yarrowsburg's figures come from
Yarrowsburg's 67th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Yarrowsburg's dominant direct exposure actually means, with real examples from across the dataset.