Derby, OH
Derby, OH's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Derby at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 283 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 Derby at the 5th percentile, close to its 5th-percentile risk score.
Where Derby's buildings actually sit
Only 35.7% of Derby's 283 buildings carry Direct exposure and 5.7% carry Indirect; the remaining 58.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Derby ranks
Derby's 24th-percentile standing inside Ohio outpaces its 5th 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, Derby ranks 30,051 for wildfire risk (1 is highest) and 22,100 by building count (1 is largest). Within Ohio alone, it ranks 965 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Derby and the insurance market
Derby's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Derby
Even with 58.7% of Derby 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 283 counted buildings into the percentiles shown above for Derby. For more on what minimal exposure implies beyond Derby, see the exposure-zones guide.