Willoughby Hills, OH
How exposed is Willoughby Hills to wildfire?
Willoughby Hills sits at the 30th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 3,324 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Willoughby Hills at the 32nd percentile, close to its 30th-percentile risk score.
Where Willoughby Hills's buildings actually sit
Direct exposure dominates in Willoughby Hills: 68.9% of its 3,324 buildings, versus 13.5% Indirect and 17.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Willoughby Hills ranks
Within Ohio, Willoughby Hills ranks higher (65th percentile) than it does nationally (30th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Willoughby Hills ranks 22,133 for wildfire risk (1 is highest) and 5,013 by building count (1 is largest). Within Ohio alone, it ranks 447 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
Willoughby Hills's moderate rating (30th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Willoughby Hills's 68.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Willoughby Hills's figures come from
The methodology guide shows exactly how USFS turned 3,324 counted buildings into the percentiles shown above for Willoughby Hills. The exposure-zones guide covers what Willoughby Hills's dominant direct exposure actually means, with real examples from across the dataset.