Gambier, OH
Gambier wildfire risk explained
USFS's Wildfire Risk to Communities model puts Gambier at the 38th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 466 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gambier at the 37th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Gambier's buildings actually sit
USFS classifies 68.2% of Gambier's buildings as Direct exposure, higher than its 31.8% Indirect share and far above its 0% Minimal share — a profile where 318 structures sit close enough to vegetation that lot clearing matters most.
How Gambier compares
Compare Gambier's two percentiles: 82nd within Ohio, only 38th nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Gambier ranks 19,705 for wildfire risk (1 is highest) and 17,966 by building count (1 is largest). Within Ohio alone, it ranks 227 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Gambier
Gambier's moderate wildfire rating (38th 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.
Lowering exposure, not just insuring around it
With 68.2% of Gambier in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Gambier's figures come from
Gambier's 38th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Gambier's dominant direct exposure actually means, with real examples from across the dataset.