Germantown, OH
Germantown, OH's wildfire risk, in USFS's own numbers
Germantown's 2,865 buildings earn a 13th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Germantown at the 14th percentile, close to its 13th-percentile risk score.
Where Germantown's buildings actually sit
Most of Germantown's buildings (80.5% of 2,865) 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.
Germantown against the rest of the country
Germantown's 38th-percentile standing inside Ohio outpaces its 13th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Germantown ranks 27,586 for wildfire risk (1 is highest) and 5,637 by building count (1 is largest). Within Ohio alone, it ranks 789 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
Germantown's low wildfire rating (13th 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
Even with 80.5% of Germantown outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Germantown's figures come from
The methodology guide shows exactly how USFS turned 2,865 counted buildings into the percentiles shown above for Germantown. The exposure-zones guide covers what Germantown's dominant minimal exposure actually means, with real examples from across the dataset.