Xenia, OH
How exposed is Xenia to wildfire?
Xenia sits at the 13th 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 12,323 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Xenia's burn probability — fire likelihood with no building count factored in — sits at the 14th percentile nationally.
Xenia's building exposure, zone by zone
Only 9.5% of Xenia's 12,323 buildings carry Direct exposure and 4.2% carry Indirect; the remaining 86.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 12,323 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Xenia against the rest of the country
Compare Xenia's two percentiles: 38th within Ohio, only 13th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Xenia ranks 27,521 for wildfire risk (1 is highest) and 1,257 by building count (1 is largest). Within Ohio alone, it ranks 784 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
Xenia's low rating (13th 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 Xenia
Even with 86.4% of Xenia 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 12,323 counted buildings into the percentiles shown above for Xenia. For more on what minimal exposure implies beyond Xenia, see the exposure-zones guide.