Gibsonburg, OH
Gibsonburg wildfire risk explained
USFS's Wildfire Risk to Communities model puts Gibsonburg at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,468 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gibsonburg at the 5th percentile, close to its 5th-percentile risk score.
Where Gibsonburg's buildings actually sit
Most of Gibsonburg's buildings (93.6% of 1,468) 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.
Gibsonburg against the rest of the country
Compare Gibsonburg's two percentiles: 25th within Ohio, only 5th nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Gibsonburg ranks 29,890 for wildfire risk (1 is highest) and 9,320 by building count (1 is largest). Within Ohio alone, it ranks 953 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Gibsonburg
Gibsonburg's low wildfire rating (5th 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
Even with 93.6% of Gibsonburg 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.
More on how this number was built
Gibsonburg's 5th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Gibsonburg, see the exposure-zones guide.