Willoughby, OH
How exposed is Willoughby to wildfire?
Willoughby's 9,387 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Willoughby's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
What "at risk" means for the buildings here
Only 5.6% of Willoughby's 9,387 buildings carry Direct exposure and 0% carry Indirect; the remaining 94.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 9,387 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Willoughby against the rest of the country
Willoughby's 62nd-percentile standing inside Ohio outpaces its 28th 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, Willoughby ranks 22,611 for wildfire risk (1 is highest) and 1,743 by building count (1 is largest). Within Ohio alone, it ranks 477 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's moderate wildfire rating (28th 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
With 94.4% of buildings rated Minimal exposure, Willoughby gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Willoughby's figures come from
The methodology guide shows exactly how USFS turned 9,387 counted buildings into the percentiles shown above for Willoughby. The exposure-zones guide covers what Willoughby's dominant minimal exposure actually means, with real examples from across the dataset.