Carlisle, OH
Carlisle wildfire risk explained
USFS's Wildfire Risk to Communities model puts Carlisle at the 19th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,572 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 Carlisle at the 20th percentile, close to its 19th-percentile risk score.
What "at risk" means for the buildings here
Most of Carlisle's buildings (78.2% of 2,572) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Carlisle compares
Compare Carlisle's two percentiles: 49th within Ohio, only 19th nationally — a gap of 30 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Carlisle ranks 25,662 for wildfire risk (1 is highest) and 6,156 by building count (1 is largest). Within Ohio alone, it ranks 647 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
Carlisle's low rating (19th 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
Even with 78.2% of Carlisle outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,572 counted buildings into the percentiles shown above for Carlisle. For more on what minimal exposure implies beyond Carlisle, see the exposure-zones guide.