Coldstream, OH
Coldstream wildfire risk explained
Coldstream's 614 buildings earn a 14th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coldstream's burn probability — fire likelihood with no building count factored in — sits at the 16th percentile nationally.
What "at risk" means for the buildings here
614 buildings are counted in Coldstream, and 99.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.3% rated Minimal.
How Coldstream compares
Within Ohio, Coldstream ranks higher (42nd percentile) than it does nationally (14th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Coldstream ranks 26,954 for wildfire risk (1 is highest) and 15,643 by building count (1 is largest). Within Ohio alone, it ranks 733 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
Coldstream's low rating (14th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Coldstream's 99.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Coldstream's figures come from
The methodology guide shows exactly how USFS turned 614 counted buildings into the percentiles shown above for Coldstream. The exposure-zones guide covers what Coldstream's dominant direct exposure actually means, with real examples from across the dataset.