Oberlin, OH
How exposed is Oberlin to wildfire?
Out of every US place USFS scores, Oberlin lands at the 17th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 2,869 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 Oberlin at the 16th percentile, close to its 17th-percentile risk score.
What "at risk" means for the buildings here
Only 40.7% of Oberlin's 2,869 buildings carry Direct exposure and 0% carry Indirect; the remaining 59.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Oberlin against the rest of the country
Compare Oberlin's two percentiles: 45th within Ohio, only 17th nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oberlin ranks 26,328 for wildfire risk (1 is highest) and 5,631 by building count (1 is largest). Within Ohio alone, it ranks 693 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
Oberlin's low rating (17th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Oberlin
With 59.3% of buildings rated Minimal exposure, Oberlin gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Oberlin's figures come from
The methodology guide shows exactly how USFS turned 2,869 counted buildings into the percentiles shown above for Oberlin. The exposure-zones guide covers what Oberlin's dominant minimal exposure actually means, with real examples from across the dataset.