Lockland, OH
How exposed is Lockland to wildfire?
Lockland sits at the 13th 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 1,712 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lockland at the 15th percentile, close to its 13th-percentile risk score.
What "at risk" means for the buildings here
Only 3% of Lockland's 1,712 buildings carry Direct exposure and 0% carry Indirect; the remaining 97% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Lockland compares
Within Ohio, Lockland ranks higher (38th percentile) than it does nationally (13th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lockland ranks 27,588 for wildfire risk (1 is highest) and 8,378 by building count (1 is largest). Within Ohio alone, it ranks 791 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Lockland and the insurance market
Lockland's low wildfire rating (13th 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.
Hardening a home in Lockland
With 97% of buildings rated Minimal exposure, Lockland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lockland's figures come from
Every one of the two percentiles behind Lockland's 27,588-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lockland's dominant minimal exposure actually means, with real examples from across the dataset.