Sebring, OH
Sebring wildfire risk explained
USFS scores Sebring at the 27th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 2,428 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sebring at the 27th national percentile — 0 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 classifies 83.2% of Sebring's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 16.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Sebring compares
Compare Sebring's two percentiles: 60th within Ohio, only 27th nationally — a gap of 33 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Sebring ranks 23,112 for wildfire risk (1 is highest) and 6,443 by building count (1 is largest). Within Ohio alone, it ranks 509 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Sebring and the insurance market
Sebring's moderate rating (27th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 83.2% of Sebring outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,428 counted buildings into the percentiles shown above for Sebring. For more on what minimal exposure implies beyond Sebring, see the exposure-zones guide.