Kettering, OH
Kettering wildfire risk explained
USFS's Wildfire Risk to Communities model puts Kettering at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 25,528 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kettering at the 13th percentile, close to its 11th-percentile risk score.
Kettering's building exposure, zone by zone
Only 4.4% of Kettering's 25,528 buildings carry Direct exposure and 0% carry Indirect; the remaining 95.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 25,528 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Kettering against the rest of the country
Kettering's 34th-percentile standing inside Ohio outpaces its 11th 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, Kettering ranks 28,094 for wildfire risk (1 is highest) and 494 by building count (1 is largest). Within Ohio alone, it ranks 839 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Kettering and the insurance market
At the 11th national percentile, Kettering rates low 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 Kettering
With 95.6% of buildings rated Minimal exposure, Kettering gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Kettering's 28,094-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Kettering, see the exposure-zones guide.