Hamersville, OH
How exposed is Hamersville to wildfire?
Out of every US place USFS scores, Hamersville lands at the 10th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 341 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hamersville at the 11th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
57.8% of Hamersville's 341 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 37% Direct and 5.3% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Hamersville against the rest of the country
Compare Hamersville's two percentiles: 32nd within Ohio, only 10th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hamersville ranks 28,248 for wildfire risk (1 is highest) and 20,558 by building count (1 is largest). Within Ohio alone, it ranks 855 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
Hamersville's low wildfire rating (10th 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
Hamersville's 57.8% 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
Every one of the two percentiles behind Hamersville's 28,248-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Hamersville, see the exposure-zones guide.