Wilmington, OH
Wilmington, OH's wildfire risk, in USFS's own numbers
USFS scores Wilmington at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 5,621 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Wilmington's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Wilmington's building exposure, zone by zone
Most of Wilmington's buildings (57.5% of 5,621) 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 5,621 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Wilmington compares
Within Ohio, Wilmington ranks higher (34th percentile) than it does nationally (11th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Wilmington ranks 28,029 for wildfire risk (1 is highest) and 3,073 by building count (1 is largest). Within Ohio alone, it ranks 835 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
Wilmington's low wildfire rating (11th 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
Even with 57.5% of Wilmington 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.
Where Wilmington's figures come from
The methodology guide shows exactly how USFS turned 5,621 counted buildings into the percentiles shown above for Wilmington. The exposure-zones guide covers what Wilmington's dominant minimal exposure actually means, with real examples from across the dataset.