Stow, OH
Stow, OH's wildfire risk, in USFS's own numbers
USFS scores Stow at the 32nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 12,507 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stow at the 33rd percentile, close to its 32nd-percentile risk score.
Where Stow's buildings actually sit
Only 29.1% of Stow's 12,507 buildings carry Direct exposure and 3.6% carry Indirect; the remaining 67.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 12,507 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Stow ranks
Stow's 71st-percentile standing inside Ohio outpaces its 32nd 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, Stow ranks 21,344 for wildfire risk (1 is highest) and 1,232 by building count (1 is largest). Within Ohio alone, it ranks 371 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Stow and the insurance market
Stow's moderate wildfire rating (32nd 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.
Lowering exposure, not just insuring around it
With 67.3% of buildings rated Minimal exposure, Stow 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
Stow's 32nd-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 Stow, see the exposure-zones guide.