Berea, OH
How exposed is Berea to wildfire?
Berea's 8,474 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Berea at the 28th percentile, close to its 28th-percentile risk score.
Where Berea's buildings actually sit
Only 12.3% of Berea's 8,474 buildings carry Direct exposure and 0% carry Indirect; the remaining 87.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 8,474 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Berea against the rest of the country
Berea's 61st-percentile standing inside Ohio outpaces its 28th 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, Berea ranks 22,860 for wildfire risk (1 is highest) and 1,964 by building count (1 is largest). Within Ohio alone, it ranks 494 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
Berea's moderate wildfire rating (28th 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
Berea's 87.8% 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.
More on how this number was built
Berea's 28th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Berea, see the exposure-zones guide.