Fayette, OH
Fayette wildfire risk explained
Fayette sits at the 1st percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 679 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fayette at the 1st percentile, close to its 1st-percentile risk score.
Where Fayette's buildings actually sit
85.7% of Fayette's 679 buildings sit in USFS's Minimal exposure zone, with only 14.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Fayette compares
Fayette scores 1st nationally and 8th within Ohio — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Fayette ranks 31,087 for wildfire risk (1 is highest) and 14,875 by building count (1 is largest). Within Ohio alone, it ranks 1,153 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
Fayette's low wildfire rating (1st 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
With 85.7% of buildings rated Minimal exposure, Fayette gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Fayette's figures come from
Every one of the two percentiles behind Fayette's 31,087-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fayette's dominant minimal exposure actually means, with real examples from across the dataset.