Covington, OH
How exposed is Covington to wildfire?
USFS's Wildfire Risk to Communities model puts Covington at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,569 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Covington's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 94.3% of Covington's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Covington ranks
Compare Covington's two percentiles: 21st within Ohio, only 4th nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Covington ranks 30,269 for wildfire risk (1 is highest) and 8,890 by building count (1 is largest). Within Ohio alone, it ranks 996 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Covington and the insurance market
Covington's low wildfire rating (4th 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.
Hardening a home in Covington
Even with 94.3% of Covington 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.
Where Covington's figures come from
Covington's 4th-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 Covington's dominant minimal exposure actually means, with real examples from across the dataset.