Racine, OH
How exposed is Racine to wildfire?
USFS scores Racine at the 40th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 470 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 Racine at the 42nd percentile, close to its 40th-percentile risk score.
Where Racine's buildings actually sit
Indirect exposure is dominant in Racine (75.7% of 470 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 24.3% sit in the Direct zone.
Where Racine ranks
Racine's 88th-percentile standing inside Ohio outpaces its 40th 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, Racine ranks 18,850 for wildfire risk (1 is highest) and 17,877 by building count (1 is largest). Within Ohio alone, it ranks 159 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
At the 40th national percentile, Racine rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Racine's 75.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Racine's 40th-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 Racine, see the exposure-zones guide.