Northridge, OH
How exposed is Northridge to wildfire?
USFS's Wildfire Risk to Communities model puts Northridge at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 3,245 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Northridge at the 10th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
89.7% of Northridge's 3,245 buildings sit in USFS's Minimal exposure zone, with only 10.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Northridge compares
Northridge's 30th-percentile standing inside Ohio outpaces its 9th 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, Northridge ranks 28,753 for wildfire risk (1 is highest) and 5,109 by building count (1 is largest). Within Ohio alone, it ranks 881 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
Northridge's low wildfire rating (9th 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
Even with 89.7% of Northridge outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Northridge's figures come from
Northridge's 9th-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 Northridge's dominant minimal exposure actually means, with real examples from across the dataset.