Neffs, OH
Neffs wildfire risk explained
USFS's Wildfire Risk to Communities model puts Neffs at the 38th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 645 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Neffs at the 40th percentile, close to its 38th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Neffs: 63.9% of its 645 buildings, versus 36.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Neffs compares
Compare Neffs's two percentiles: 84th within Ohio, only 38th nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Neffs ranks 19,450 for wildfire risk (1 is highest) and 15,267 by building count (1 is largest). Within Ohio alone, it ranks 208 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
Neffs's moderate wildfire rating (38th 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 Neffs
Neffs's 63.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Neffs's figures come from
The methodology guide shows exactly how USFS turned 645 counted buildings into the percentiles shown above for Neffs. The exposure-zones guide covers what Neffs's dominant direct exposure actually means, with real examples from across the dataset.