Spencer, OH
Spencer wildfire risk explained
Spencer's 458 buildings earn a 21st-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Spencer at the 20th percentile, close to its 21st-percentile risk score.
Where Spencer's buildings actually sit
75.1% of Spencer's 458 buildings sit in USFS's Minimal exposure zone, with only 24.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Spencer ranks
Compare Spencer's two percentiles: 52nd within Ohio, only 21st nationally — a gap of 31 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Spencer ranks 24,815 for wildfire risk (1 is highest) and 18,110 by building count (1 is largest). Within Ohio alone, it ranks 607 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Spencer
At the 21st national percentile, Spencer rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Spencer
Spencer's 75.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Spencer's 21st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Spencer, see the exposure-zones guide.