Urbana, OH
How exposed is Urbana to wildfire?
Out of every US place USFS scores, Urbana lands at the 3rd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 5,906 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Urbana's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
Urbana's building exposure, zone by zone
Most of Urbana's buildings (88.4% of 5,906) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 5,906 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Urbana ranks
Within Ohio, Urbana ranks higher (19th percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Urbana ranks 30,528 for wildfire risk (1 is highest) and 2,917 by building count (1 is largest). Within Ohio alone, it ranks 1,030 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
Urbana's low wildfire rating (3rd 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 88.4% of buildings rated Minimal exposure, Urbana gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Urbana's figures come from
Every one of the two percentiles behind Urbana's 30,528-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Urbana's dominant minimal exposure actually means, with real examples from across the dataset.