Hemlock, OH
Hemlock wildfire risk explained
Out of every US place USFS scores, Hemlock lands at the 42nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 123 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hemlock at the 43rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hemlock's buildings actually sit
123 buildings are counted in Hemlock, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Hemlock against the rest of the country
Hemlock's 93rd-percentile standing inside Ohio outpaces its 42nd 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, Hemlock ranks 18,161 for wildfire risk (1 is highest) and 28,026 by building count (1 is largest). Within Ohio alone, it ranks 83 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 42nd national percentile, Hemlock rates elevated 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 Hemlock
Because Direct exposure dominates in Hemlock (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hemlock's figures come from
Hemlock's 42nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hemlock's dominant direct exposure actually means, with real examples from across the dataset.