Philo, OH
How exposed is Philo to wildfire?
USFS scores Philo at the 37th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 485 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Philo's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
Philo's building exposure, zone by zone
USFS puts 72.4% of Philo's 485 buildings in the Indirect exposure zone, versus 27.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Philo against the rest of the country
Within Ohio, Philo ranks higher (82nd percentile) than it does nationally (37th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Philo ranks 19,772 for wildfire risk (1 is highest) and 17,620 by building count (1 is largest). Within Ohio alone, it ranks 233 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
Philo's moderate wildfire rating (37th 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.
What would actually reduce this score
Because 72.4% of Philo's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Philo's 37th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Philo, see the exposure-zones guide.