Cumberland, OH
Cumberland wildfire risk explained
Out of every US place USFS scores, Cumberland lands at the 45th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 309 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cumberland at the 47th percentile, close to its 45th-percentile risk score.
Cumberland's building exposure, zone by zone
Direct exposure dominates in Cumberland: 55.7% of its 309 buildings, versus 44.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Cumberland ranks
Compare Cumberland's two percentiles: 97th within Ohio, only 45th nationally — a gap of 52 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Cumberland ranks 17,310 for wildfire risk (1 is highest) and 21,404 by building count (1 is largest). Within Ohio alone, it ranks 41 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
Cumberland's elevated wildfire rating (45th 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.
What would actually reduce this score
Cumberland's 55.7% 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 Cumberland's figures come from
Every one of the two percentiles behind Cumberland's 17,310-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cumberland's dominant direct exposure actually means, with real examples from across the dataset.