Lake Darby, OH
Lake Darby wildfire risk explained
Lake Darby sits at the 12th 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 1,720 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Darby's burn probability — fire likelihood with no building count factored in — sits at the 13th percentile nationally.
Lake Darby's building exposure, zone by zone
USFS classifies 54.7% of Lake Darby's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 17.3% Direct and 28% Indirect — a landscape-level risk rather than a building-by-building one.
Lake Darby against the rest of the country
Lake Darby's 37th-percentile standing inside Ohio outpaces its 12th 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, Lake Darby ranks 27,713 for wildfire risk (1 is highest) and 8,344 by building count (1 is largest). Within Ohio alone, it ranks 801 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Lake Darby and the insurance market
At the 12th national percentile, Lake Darby rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 54.7% of buildings rated Minimal exposure, Lake Darby gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lake Darby's figures come from
Lake Darby's 12th-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 Lake Darby's dominant minimal exposure actually means, with real examples from across the dataset.