Shelby, OH
Shelby wildfire risk explained
Shelby's 4,815 buildings earn a 4th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shelby at the 4th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Shelby's building exposure, zone by zone
Most of Shelby's buildings (90.3% of 4,815) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Shelby compares
Shelby's 20th-percentile standing inside Ohio outpaces its 4th 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, Shelby ranks 30,431 for wildfire risk (1 is highest) and 3,547 by building count (1 is largest). Within Ohio alone, it ranks 1,019 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Shelby
Shelby's low rating (4th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Shelby
With 90.3% of buildings rated Minimal exposure, Shelby gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,815 counted buildings into the percentiles shown above for Shelby. For more on what minimal exposure implies beyond Shelby, see the exposure-zones guide.