Castalia, OH
Castalia wildfire risk explained
USFS scores Castalia at the 6th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 615 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Castalia at the 6th percentile, close to its 6th-percentile risk score.
Where Castalia's buildings actually sit
Castalia rates 79.7% Minimal exposure against just 20.3% Direct and 0% Indirect — of 615 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Castalia ranks
Castalia's 25th-percentile standing inside Ohio outpaces its 6th 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, Castalia ranks 29,793 for wildfire risk (1 is highest) and 15,633 by building count (1 is largest). Within Ohio alone, it ranks 944 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
Castalia's low wildfire rating (6th 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
Even with 79.7% of Castalia 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
Castalia's 6th-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 Castalia, see the exposure-zones guide.