Coldwater, OH
How exposed is Coldwater to wildfire?
USFS's Wildfire Risk to Communities model puts Coldwater at the 1st national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,144 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 Coldwater at the 1st percentile, close to its 1st-percentile risk score.
Coldwater's building exposure, zone by zone
Coldwater rates 95.9% Minimal exposure against just 4.1% Direct and 0% Indirect — of 2,144 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Coldwater ranks
There's little gap between Coldwater's 1st national percentile and its 4th percentile inside Ohio, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Coldwater ranks 31,277 for wildfire risk (1 is highest) and 7,086 by building count (1 is largest). Within Ohio alone, it ranks 1,207 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Coldwater and the insurance market
At the 1st national percentile, Coldwater rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Coldwater's 95.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Coldwater's figures come from
The methodology guide shows exactly how USFS turned 2,144 counted buildings into the percentiles shown above for Coldwater. The exposure-zones guide covers what Coldwater's dominant minimal exposure actually means, with real examples from across the dataset.