Bloomingdale, OH
How exposed is Bloomingdale to wildfire?
Bloomingdale sits at the 44th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 109 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 Bloomingdale at the 45th percentile, close to its 44th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 54.1% of Bloomingdale's 109 buildings in the Indirect exposure zone, versus 45.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Bloomingdale compares
Bloomingdale's 96th-percentile standing inside Ohio outpaces its 44th 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, Bloomingdale ranks 17,529 for wildfire risk (1 is highest) and 28,669 by building count (1 is largest). Within Ohio alone, it ranks 49 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
Bloomingdale's elevated wildfire rating (44th 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 Bloomingdale (54.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Bloomingdale's figures come from
The methodology guide shows exactly how USFS turned 109 counted buildings into the percentiles shown above for Bloomingdale. The exposure-zones guide covers what Bloomingdale's dominant indirect exposure actually means, with real examples from across the dataset.