Saybrook-on-the-Lake, OH
Saybrook-on-the-Lake, OH's wildfire risk, in USFS's own numbers
Saybrook-on-the-Lake sits at the 32nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 941 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Saybrook-on-the-Lake at the 33rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 62.3% of Saybrook-on-the-Lake's 941 buildings in the Indirect exposure zone, versus 37% Direct and 0.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Saybrook-on-the-Lake compares
Saybrook-on-the-Lake's 69th-percentile standing inside Ohio outpaces its 32nd 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, Saybrook-on-the-Lake ranks 21,533 for wildfire risk (1 is highest) and 12,386 by building count (1 is largest). Within Ohio alone, it ranks 391 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Saybrook-on-the-Lake and the insurance market
At the 32nd national percentile, Saybrook-on-the-Lake rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Saybrook-on-the-Lake's 62.3% 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.
Where Saybrook-on-the-Lake's figures come from
Every one of the two percentiles behind Saybrook-on-the-Lake's 21,533-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Saybrook-on-the-Lake's dominant indirect exposure actually means, with real examples from across the dataset.