Geneva-on-the-Lake, OH
Geneva-on-the-Lake, OH's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Geneva-on-the-Lake lands at the 37th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,399 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Geneva-on-the-Lake at the 37th percentile, close to its 37th-percentile risk score.
Geneva-on-the-Lake's building exposure, zone by zone
Most of Geneva-on-the-Lake's buildings (76.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Geneva-on-the-Lake against the rest of the country
Within Ohio, Geneva-on-the-Lake ranks higher (80th percentile) than it does nationally (37th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Geneva-on-the-Lake ranks 19,956 for wildfire risk (1 is highest) and 9,634 by building count (1 is largest). Within Ohio alone, it ranks 250 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
At the 37th national percentile, Geneva-on-the-Lake rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Geneva-on-the-Lake's 76.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Geneva-on-the-Lake's 37th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Geneva-on-the-Lake, see the exposure-zones guide.