Hamilton, OH
Hamilton wildfire risk explained
Hamilton sits at the 23rd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 25,898 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hamilton at the 25th percentile, close to its 23rd-percentile risk score.
Hamilton's building exposure, zone by zone
Hamilton rates 73.6% Minimal exposure against just 8.2% Direct and 18.2% Indirect — of 25,898 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 25,898 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Hamilton compares
Within Ohio, Hamilton ranks higher (55th percentile) than it does nationally (23rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hamilton ranks 24,434 for wildfire risk (1 is highest) and 481 by building count (1 is largest). Within Ohio alone, it ranks 575 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 23rd national percentile, Hamilton rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Hamilton
Even with 73.6% of Hamilton 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 Hamilton's figures come from
Every one of the two percentiles behind Hamilton's 24,434-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hamilton's dominant minimal exposure actually means, with real examples from across the dataset.