Jersey, OH
Jersey wildfire risk explained
Jersey sits at the 16th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 359 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Jersey at the 17th 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
359 buildings are counted in Jersey, and 86.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 4.2% rated Minimal.
How Jersey compares
Compare Jersey's two percentiles: 44th within Ohio, only 16th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Jersey ranks 26,511 for wildfire risk (1 is highest) and 20,092 by building count (1 is largest). Within Ohio alone, it ranks 706 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Jersey and the insurance market
Jersey's low wildfire rating (16th 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.
What would actually reduce this score
Because Direct exposure dominates in Jersey (86.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 359 counted buildings into the percentiles shown above for Jersey. For more on what direct exposure implies beyond Jersey, see the exposure-zones guide.