Union, OH
How exposed is Union to wildfire?
Union sits at the 9th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 3,137 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Union at the 10th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Union's buildings actually sit
USFS classifies 41.3% of Union's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.2% Direct and 35.5% Indirect — a landscape-level risk rather than a building-by-building one.
Where Union ranks
Compare Union's two percentiles: 31st within Ohio, only 9th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Union ranks 28,628 for wildfire risk (1 is highest) and 5,245 by building count (1 is largest). Within Ohio alone, it ranks 875 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
Union's low rating (9th 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 Union
Even with 41.3% of Union outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,137 counted buildings into the percentiles shown above for Union. For more on what minimal exposure implies beyond Union, see the exposure-zones guide.