Otway, OH
Otway wildfire risk explained
Otway's 91 buildings earn a 56th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Otway at the 58th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Otway's building exposure, zone by zone
USFS classifies 60.4% of Otway's buildings as Direct exposure, higher than its 39.6% Indirect share and far above its 0% Minimal share — a profile where 55 structures sit close enough to vegetation that lot clearing matters most.
Where Otway ranks
Otway's 99th-percentile standing inside Ohio outpaces its 56th 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, Otway ranks 13,717 for wildfire risk (1 is highest) and 29,465 by building count (1 is largest). Within Ohio alone, it ranks 14 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Otway and the insurance market
Otway's elevated wildfire rating (56th 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 Otway
Otway's 60.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 91 counted buildings into the percentiles shown above for Otway. For more on what direct exposure implies beyond Otway, see the exposure-zones guide.