Mentor-on-the-Lake, OH
Mentor-on-the-Lake wildfire risk explained
USFS scores Mentor-on-the-Lake at the 25th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 3,055 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mentor-on-the-Lake at the 28th percentile, close to its 25th-percentile risk score.
Where Mentor-on-the-Lake's buildings actually sit
USFS classifies 97.4% of Mentor-on-the-Lake's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Mentor-on-the-Lake ranks
Compare Mentor-on-the-Lake's two percentiles: 58th within Ohio, only 25th nationally — a gap of 33 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Mentor-on-the-Lake ranks 23,521 for wildfire risk (1 is highest) and 5,349 by building count (1 is largest). Within Ohio alone, it ranks 529 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
Mentor-on-the-Lake's moderate rating (25th 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
Mentor-on-the-Lake's 97.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Mentor-on-the-Lake's 23,521-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Mentor-on-the-Lake, see the exposure-zones guide.