Findlay, OH
Findlay, OH's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Findlay lands at the 3rd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 20,142 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Findlay at the 3rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Findlay's building exposure, zone by zone
USFS classifies 95.9% of Findlay's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 20,142 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Findlay against the rest of the country
Findlay's risk sits at a similar level relative to Ohio (18th percentile statewide) as it does nationally (3rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Findlay ranks 30,555 for wildfire risk (1 is highest) and 699 by building count (1 is largest). Within Ohio alone, it ranks 1,032 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Findlay and the insurance market
Findlay's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 95.9% of buildings rated Minimal exposure, Findlay gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Findlay's figures come from
The methodology guide shows exactly how USFS turned 20,142 counted buildings into the percentiles shown above for Findlay. The exposure-zones guide covers what Findlay's dominant minimal exposure actually means, with real examples from across the dataset.