Montezuma, OH
How exposed is Montezuma to wildfire?
Montezuma's 141 buildings earn a 2nd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Montezuma at the 2nd percentile, close to its 2nd-percentile risk score.
Montezuma's building exposure, zone by zone
Only 10.6% of Montezuma's 141 buildings carry Direct exposure and 0% carry Indirect; the remaining 89.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Montezuma ranks
Montezuma scores 2nd nationally and 11th within Ohio — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Montezuma ranks 30,995 for wildfire risk (1 is highest) and 27,260 by building count (1 is largest). Within Ohio alone, it ranks 1,124 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Montezuma and the insurance market
Montezuma's low wildfire rating (2nd 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
Montezuma's 89.4% 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.
Where Montezuma's figures come from
Every one of the two percentiles behind Montezuma's 30,995-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Montezuma's dominant minimal exposure actually means, with real examples from across the dataset.