Crystal Lakes, OH
Crystal Lakes wildfire risk explained
USFS scores Crystal Lakes at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 853 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Crystal Lakes's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Where Crystal Lakes's buildings actually sit
Only 14.1% of Crystal Lakes's 853 buildings carry Direct exposure and 0% carry Indirect; the remaining 85.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Crystal Lakes ranks
Crystal Lakes's 31st-percentile standing inside Ohio outpaces its 9th 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, Crystal Lakes ranks 28,692 for wildfire risk (1 is highest) and 13,144 by building count (1 is largest). Within Ohio alone, it ranks 878 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
At the 9th national percentile, Crystal Lakes rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 85.9% of Crystal Lakes 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
The methodology guide shows exactly how USFS turned 853 counted buildings into the percentiles shown above for Crystal Lakes. For more on what minimal exposure implies beyond Crystal Lakes, see the exposure-zones guide.