Fairfield, OH
How exposed is Fairfield to wildfire?
USFS's Wildfire Risk to Communities model puts Fairfield at the 16th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 14,768 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairfield at the 18th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fairfield's buildings actually sit
Most of Fairfield's buildings (43.5% of 14,768) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 14,768 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Fairfield compares
Compare Fairfield's two percentiles: 44th within Ohio, only 16th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Fairfield ranks 26,449 for wildfire risk (1 is highest) and 1,005 by building count (1 is largest). Within Ohio alone, it ranks 702 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
Fairfield's low wildfire rating (16th 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 Fairfield
Fairfield's 43.5% 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 Fairfield's figures come from
The methodology guide shows exactly how USFS turned 14,768 counted buildings into the percentiles shown above for Fairfield. The exposure-zones guide covers what Fairfield's dominant minimal exposure actually means, with real examples from across the dataset.