Oak Harbor, OH
How exposed is Oak Harbor to wildfire?
USFS scores Oak Harbor at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,557 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oak Harbor at the 2nd percentile, close to its 2nd-percentile risk score.
Oak Harbor's building exposure, zone by zone
USFS classifies 96.8% of Oak Harbor's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Oak Harbor against the rest of the country
Oak Harbor scores 2nd nationally and 9th within Ohio — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oak Harbor ranks 31,058 for wildfire risk (1 is highest) and 8,933 by building count (1 is largest). Within Ohio alone, it ranks 1,144 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
At the 2nd national percentile, Oak Harbor rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 96.8% of buildings rated Minimal exposure, Oak Harbor gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Oak Harbor's figures come from
Every one of the two percentiles behind Oak Harbor's 31,058-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oak Harbor's dominant minimal exposure actually means, with real examples from across the dataset.