St. Marys, OH
St. Marys, OH's wildfire risk, in USFS's own numbers
USFS scores St. Marys at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 4,454 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Marys at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
St. Marys's building exposure, zone by zone
USFS classifies 94.8% of St. Marys's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
St. Marys against the rest of the country
St. Marys scores 2nd nationally and 14th 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, St. Marys ranks 30,873 for wildfire risk (1 is highest) and 3,833 by building count (1 is largest). Within Ohio alone, it ranks 1,092 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in St. Marys
At the 2nd national percentile, St. Marys 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 94.8% of buildings rated Minimal exposure, St. Marys gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where St. Marys's figures come from
The methodology guide shows exactly how USFS turned 4,454 counted buildings into the percentiles shown above for St. Marys. The exposure-zones guide covers what St. Marys's dominant minimal exposure actually means, with real examples from across the dataset.