Lakeside, OH
How exposed is Lakeside to wildfire?
Out of every US place USFS scores, Lakeside lands at the 11th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,261 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lakeside at the 10th percentile, close to its 11th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 95.5% of Lakeside's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Lakeside compares
Lakeside's 33rd-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, Lakeside ranks 28,218 for wildfire risk (1 is highest) and 10,294 by building count (1 is largest). Within Ohio alone, it ranks 852 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
What this risk score means for insurance
Lakeside's low wildfire rating (11th 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.
Lowering exposure, not just insuring around it
Even with 95.5% of Lakeside 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 Lakeside's figures come from
The methodology guide shows exactly how USFS turned 1,261 counted buildings into the percentiles shown above for Lakeside. The exposure-zones guide covers what Lakeside's dominant minimal exposure actually means, with real examples from across the dataset.