Payne, OH
Payne, OH's wildfire risk, in USFS's own numbers
Payne sits at the 1st percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 734 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Payne at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Payne's buildings actually sit
Only 4.5% of Payne's 734 buildings carry Direct exposure and 0% carry Indirect; the remaining 95.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Payne against the rest of the country
There's little gap between Payne's 1st national percentile and its 9th percentile inside Ohio, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Payne ranks 31,090 for wildfire risk (1 is highest) and 14,287 by building count (1 is largest). Within Ohio alone, it ranks 1,156 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Payne and the insurance market
Payne'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
Payne's 95.5% 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
Every one of the two percentiles behind Payne's 31,090-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Payne, see the exposure-zones guide.