Caldwell, OH
How exposed is Caldwell to wildfire?
USFS's Wildfire Risk to Communities model puts Caldwell at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,058 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Caldwell at the 43rd percentile, close to its 41st-percentile risk score.
Caldwell's building exposure, zone by zone
USFS puts 86.9% of Caldwell's 1,058 buildings in the Indirect exposure zone, versus 13.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Caldwell ranks
Within Ohio, Caldwell ranks higher (90th percentile) than it does nationally (41st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Caldwell ranks 18,597 for wildfire risk (1 is highest) and 11,541 by building count (1 is largest). Within Ohio alone, it ranks 125 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
Caldwell's elevated rating (41st 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
With ember exposure the dominant pattern in Caldwell (86.9% 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
The methodology guide shows exactly how USFS turned 1,058 counted buildings into the percentiles shown above for Caldwell. For more on what indirect exposure implies beyond Caldwell, see the exposure-zones guide.