Moraine, OH
Moraine wildfire risk explained
USFS's Wildfire Risk to Communities model puts Moraine at the 18th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 4,037 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Moraine at the 20th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Moraine's buildings actually sit
Moraine rates 86.5% Minimal exposure against just 13.5% Direct and 0% Indirect — of 4,037 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Moraine compares
Moraine's 47th-percentile standing inside Ohio outpaces its 18th 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, Moraine ranks 25,915 for wildfire risk (1 is highest) and 4,205 by building count (1 is largest). Within Ohio alone, it ranks 667 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
Moraine's low wildfire rating (18th 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 Moraine
With 86.5% of buildings rated Minimal exposure, Moraine gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Moraine's 18th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Moraine, see the exposure-zones guide.