Lorain, OH
Lorain wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lorain at the 30th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 30,248 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lorain at the 29th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Lorain's buildings actually sit
Only 6.3% of Lorain's 30,248 buildings carry Direct exposure and 4.2% carry Indirect; the remaining 89.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 30,248 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Lorain ranks
Lorain's 66th-percentile standing inside Ohio outpaces its 30th 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, Lorain ranks 22,005 for wildfire risk (1 is highest) and 378 by building count (1 is largest). Within Ohio alone, it ranks 430 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
Lorain's moderate wildfire rating (30th 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.
What would actually reduce this score
Even with 89.5% of Lorain 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 Lorain's figures come from
The methodology guide shows exactly how USFS turned 30,248 counted buildings into the percentiles shown above for Lorain. The exposure-zones guide covers what Lorain's dominant minimal exposure actually means, with real examples from across the dataset.