Summerfield, OH
How exposed is Summerfield to wildfire?
Summerfield's 197 buildings earn a 41st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Summerfield's burn probability — fire likelihood with no building count factored in — sits at the 42nd percentile nationally.
Summerfield's building exposure, zone by zone
57.9% of Summerfield's 197 buildings sit in USFS's Direct exposure zone, roughly 114 structures close enough to burnable vegetation for flame contact, not just embers — 42.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Summerfield against the rest of the country
Summerfield's 89th-percentile standing inside Ohio outpaces its 41st 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, Summerfield ranks 18,700 for wildfire risk (1 is highest) and 24,969 by building count (1 is largest). Within Ohio alone, it ranks 140 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
What this risk score means for insurance
Summerfield's elevated wildfire rating (41st 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.
Hardening a home in Summerfield
With 57.9% of Summerfield in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 197 counted buildings into the percentiles shown above for Summerfield. For more on what direct exposure implies beyond Summerfield, see the exposure-zones guide.