Kelleys Island, OH
Kelleys Island, OH's wildfire risk, in USFS's own numbers
USFS scores Kelleys Island at the 25th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,469 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kelleys Island at the 22nd national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
1,469 buildings are counted in Kelleys Island, and 55% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 45% rated Minimal.
Kelleys Island against the rest of the country
Kelleys Island's 58th-percentile standing inside Ohio outpaces its 25th 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, Kelleys Island ranks 23,554 for wildfire risk (1 is highest) and 9,316 by building count (1 is largest). Within Ohio alone, it ranks 531 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Kelleys Island and the insurance market
Kelleys Island's moderate rating (25th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Kelleys Island (55%), 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 1,469 counted buildings into the percentiles shown above for Kelleys Island. For more on what direct exposure implies beyond Kelleys Island, see the exposure-zones guide.