Nettle Lake, OH
Nettle Lake wildfire risk explained
Out of every US place USFS scores, Nettle Lake lands at the 11th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 330 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Nettle Lake at the 11th percentile, close to its 11th-percentile risk score.
Where Nettle Lake's buildings actually sit
USFS classifies 39.7% of Nettle Lake's buildings as Direct exposure, higher than its 23.6% Indirect share and far above its 36.7% Minimal share — a profile where 131 structures sit close enough to vegetation that lot clearing matters most.
How Nettle Lake compares
Within Ohio, Nettle Lake ranks higher (33rd percentile) than it does nationally (11th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Nettle Lake ranks 28,219 for wildfire risk (1 is highest) and 20,830 by building count (1 is largest). Within Ohio alone, it ranks 853 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Nettle Lake and the insurance market
Nettle Lake's low rating (11th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Nettle Lake (39.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Nettle Lake's 11th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Nettle Lake, see the exposure-zones guide.