Navarre, OH
Navarre, OH's wildfire risk, in USFS's own numbers
Navarre's 1,159 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Navarre's burn probability — fire likelihood with no building count factored in — sits at the 28th percentile nationally.
What "at risk" means for the buildings here
1,159 buildings are counted in Navarre, and 90.3% of them are Indirect exposure — ember-driven risk rather than the 9.3% in Direct exposure or the 0.4% rated Minimal.
Navarre against the rest of the country
Navarre's 62nd-percentile standing inside Ohio outpaces its 28th 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, Navarre ranks 22,729 for wildfire risk (1 is highest) and 10,897 by building count (1 is largest). Within Ohio alone, it ranks 487 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Navarre and the insurance market
Navarre's moderate wildfire rating (28th 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
Navarre's 90.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Navarre's figures come from
Navarre's 28th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Navarre's dominant indirect exposure actually means, with real examples from across the dataset.