St. Bernard, OH
St. Bernard wildfire risk explained
Out of every US place USFS scores, St. Bernard lands at the 11th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 2,203 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Bernard at the 13th national percentile — 2 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
Most of St. Bernard's buildings (98.2% of 2,203) 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.
Where St. Bernard ranks
Compare St. Bernard's two percentiles: 34th within Ohio, only 11th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, St. Bernard ranks 28,001 for wildfire risk (1 is highest) and 6,928 by building count (1 is largest). Within Ohio alone, it ranks 832 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
St. Bernard and the insurance market
St. Bernard's low rating (11th 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 St. Bernard
St. Bernard's 98.2% 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
The methodology guide shows exactly how USFS turned 2,203 counted buildings into the percentiles shown above for St. Bernard. For more on what minimal exposure implies beyond St. Bernard, see the exposure-zones guide.