Bedford, OH
Bedford, OH's wildfire risk, in USFS's own numbers
Bedford sits at the 27th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 7,021 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bedford at the 28th percentile, close to its 27th-percentile risk score.
Bedford's building exposure, zone by zone
Only 9.6% of Bedford's 7,021 buildings carry Direct exposure and 0% carry Indirect; the remaining 90.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 7,021 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Bedford against the rest of the country
Bedford's 60th-percentile standing inside Ohio outpaces its 27th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Bedford ranks 23,174 for wildfire risk (1 is highest) and 2,448 by building count (1 is largest). Within Ohio alone, it ranks 510 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Bedford and the insurance market
Bedford's moderate rating (27th 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
Bedford's 90.4% 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 Bedford's figures come from
The methodology guide shows exactly how USFS turned 7,021 counted buildings into the percentiles shown above for Bedford. The exposure-zones guide covers what Bedford's dominant minimal exposure actually means, with real examples from across the dataset.