Richmond, OH
How exposed is Richmond to wildfire?
Richmond's 316 buildings earn a 43rd-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 Richmond at the 44th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Richmond's building exposure, zone by zone
316 buildings are counted in Richmond, and 60.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Richmond ranks
Compare Richmond's two percentiles: 94th within Ohio, only 43rd nationally — a gap of 51 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Richmond ranks 18,038 for wildfire risk (1 is highest) and 21,216 by building count (1 is largest). Within Ohio alone, it ranks 76 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
Richmond's elevated wildfire rating (43rd 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 Richmond
Richmond'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 316 counted buildings into the percentiles shown above for Richmond. For more on what direct exposure implies beyond Richmond, see the exposure-zones guide.