Hamden, OH
Hamden, OH's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hamden at the 45th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 530 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hamden's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Where Hamden's buildings actually sit
Most of Hamden's buildings (51.9%) 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.
Hamden against the rest of the country
Compare Hamden's two percentiles: 97th within Ohio, only 45th nationally — a gap of 52 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hamden ranks 17,375 for wildfire risk (1 is highest) and 16,868 by building count (1 is largest). Within Ohio alone, it ranks 42 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 45th national percentile, Hamden rates elevated 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
Hamden's 51.9% 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.
Where Hamden's figures come from
Every one of the two percentiles behind Hamden's 17,375-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hamden's dominant indirect exposure actually means, with real examples from across the dataset.