Ottawa Hills, OH
Ottawa Hills wildfire risk explained
USFS scores Ottawa Hills at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,936 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 Ottawa Hills at the 13th percentile, close to its 11th-percentile risk score.
Where Ottawa Hills's buildings actually sit
Most of Ottawa Hills's buildings (75.1% of 1,936) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Ottawa Hills against the rest of the country
Ottawa Hills's 34th-percentile standing inside Ohio outpaces its 11th 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, Ottawa Hills ranks 27,999 for wildfire risk (1 is highest) and 7,658 by building count (1 is largest). Within Ohio alone, it ranks 830 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
Ottawa Hills's low wildfire rating (11th 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.
Hardening a home in Ottawa Hills
With 75.1% of buildings rated Minimal exposure, Ottawa Hills gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Ottawa Hills's figures come from
Every one of the two percentiles behind Ottawa Hills's 27,999-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ottawa Hills's dominant minimal exposure actually means, with real examples from across the dataset.