Cambridge, OH
How exposed is Cambridge to wildfire?
Cambridge sits at the 37th 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 5,461 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 Cambridge at the 38th percentile, close to its 37th-percentile risk score.
What "at risk" means for the buildings here
Most of Cambridge's buildings (82.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 5,461 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Cambridge ranks
Within Ohio, Cambridge ranks higher (81st percentile) than it does nationally (37th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Cambridge ranks 19,830 for wildfire risk (1 is highest) and 3,164 by building count (1 is largest). Within Ohio alone, it ranks 237 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
Cambridge's moderate wildfire rating (37th 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
Cambridge's 82.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Cambridge's figures come from
Every one of the two percentiles behind Cambridge's 19,830-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cambridge's dominant indirect exposure actually means, with real examples from across the dataset.