Somerville, OH
How exposed is Somerville to wildfire?
Out of every US place USFS scores, Somerville lands at the 25th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 182 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Somerville at the 27th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Somerville's buildings actually sit
69.2% of Somerville's 182 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 30.8% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Somerville ranks
Somerville's 58th-percentile standing inside Ohio outpaces its 25th 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, Somerville ranks 23,580 for wildfire risk (1 is highest) and 25,558 by building count (1 is largest). Within Ohio alone, it ranks 533 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
Somerville's moderate wildfire rating (25th 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 Somerville
Because 69.2% of Somerville's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Somerville's figures come from
Somerville's 25th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Somerville's dominant indirect exposure actually means, with real examples from across the dataset.