Lafayette (Allen), OH
How exposed is Lafayette (Allen) to wildfire?
USFS scores Lafayette (Allen) at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 249 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lafayette (Allen) at the 4th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lafayette (Allen)'s buildings actually sit
USFS classifies 88% of Lafayette (Allen)'s buildings as Minimal exposure, the largest of the three zones here by a wide margin over 12.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Lafayette (Allen) ranks
Compare Lafayette (Allen)'s two percentiles: 23rd within Ohio, only 4th nationally — a gap of 18 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lafayette (Allen) ranks 30,146 for wildfire risk (1 is highest) and 23,178 by building count (1 is largest). Within Ohio alone, it ranks 977 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Lafayette (Allen)
Lafayette (Allen)'s low rating (4th 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
Even with 88% of Lafayette (Allen) 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 Lafayette (Allen)'s figures come from
Lafayette (Allen)'s 4th-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 Lafayette (Allen)'s dominant minimal exposure actually means, with real examples from across the dataset.