Bay Village, OH
Bay Village wildfire risk explained
Out of every US place USFS scores, Bay Village lands at the 23rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 7,444 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 Bay Village at the 25th percentile, close to its 23rd-percentile risk score.
Bay Village's building exposure, zone by zone
Most of Bay Village's buildings (59.1% of 7,444) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 7,444 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Bay Village ranks
Within Ohio, Bay Village ranks higher (55th percentile) than it does nationally (23rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bay Village ranks 24,245 for wildfire risk (1 is highest) and 2,295 by building count (1 is largest). Within Ohio alone, it ranks 565 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
What this risk score means for insurance
Bay Village's moderate rating (23rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Bay Village's 59.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Bay Village's figures come from
The methodology guide shows exactly how USFS turned 7,444 counted buildings into the percentiles shown above for Bay Village. The exposure-zones guide covers what Bay Village's dominant minimal exposure actually means, with real examples from across the dataset.