Bellaire, OH
Bellaire wildfire risk explained
Out of every US place USFS scores, Bellaire lands at the 35th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,922 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bellaire's burn probability — fire likelihood with no building count factored in — sits at the 35th percentile nationally.
Where Bellaire's buildings actually sit
84.6% of Bellaire's 1,922 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 15.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Bellaire compares
Within Ohio, Bellaire ranks higher (77th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bellaire ranks 20,466 for wildfire risk (1 is highest) and 7,703 by building count (1 is largest). Within Ohio alone, it ranks 298 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
Bellaire's moderate wildfire rating (35th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Bellaire (84.6% 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
Every one of the two percentiles behind Bellaire's 20,466-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Bellaire, see the exposure-zones guide.