Octa, OH
Octa wildfire risk explained
Octa's 66 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Octa at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Octa's buildings actually sit
USFS classifies 87.9% of Octa's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 12.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Octa against the rest of the country
There's little gap between Octa's 1st national percentile and its 4th percentile inside Ohio, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Octa ranks 31,284 for wildfire risk (1 is highest) and 30,441 by building count (1 is largest). Within Ohio alone, it ranks 1,214 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Octa and the insurance market
Octa's low wildfire rating (1st 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
Octa's 87.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 66 counted buildings into the percentiles shown above for Octa. For more on what minimal exposure implies beyond Octa, see the exposure-zones guide.