Toledo, OH
Toledo wildfire risk explained
USFS scores Toledo at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 136,738 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Toledo's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
What "at risk" means for the buildings here
Toledo rates 97% Minimal exposure against just 3% Direct and 0% Indirect — of 136,738 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 136,738 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Toledo ranks
Within Ohio, Toledo ranks higher (31st percentile) than it does nationally (9th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Toledo ranks 28,601 for wildfire risk (1 is highest) and 43 by building count (1 is largest). Within Ohio alone, it ranks 873 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Toledo
Toledo's low wildfire rating (9th 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.
What would actually reduce this score
Toledo's 97% 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
Every one of the two percentiles behind Toledo's 28,601-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Toledo, see the exposure-zones guide.