Spencerville, OH
How exposed is Spencerville to wildfire?
USFS scores Spencerville at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,276 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spencerville at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Spencerville's building exposure, zone by zone
Spencerville rates 92.3% Minimal exposure against just 7.7% Direct and 0% Indirect — of 1,276 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Spencerville ranks
Spencerville scores 1st nationally and 6th within Ohio — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Spencerville ranks 31,218 for wildfire risk (1 is highest) and 10,216 by building count (1 is largest). Within Ohio alone, it ranks 1,197 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Spencerville
At the 1st national percentile, Spencerville rates low 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
With 92.3% of buildings rated Minimal exposure, Spencerville 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
Every one of the two percentiles behind Spencerville's 31,218-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Spencerville, see the exposure-zones guide.