Chilo, OH
Chilo wildfire risk explained
USFS's Wildfire Risk to Communities model puts Chilo at the 24th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 90 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Chilo at the 25th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Chilo's building exposure, zone by zone
83.3% of Chilo's 90 buildings sit in USFS's Direct exposure zone, roughly 75 structures close enough to burnable vegetation for flame contact, not just embers — 6.7% fall in the Indirect, ember-only zone and 10% are Minimal.
Chilo against the rest of the country
Within Ohio, Chilo ranks higher (56th percentile) than it does nationally (24th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Chilo ranks 24,121 for wildfire risk (1 is highest) and 29,504 by building count (1 is largest). Within Ohio alone, it ranks 558 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
Chilo's moderate rating (24th 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 83.3% of Chilo in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Chilo's figures come from
Chilo's 24th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Chilo's dominant direct exposure actually means, with real examples from across the dataset.