Yellow Springs, OH
Yellow Springs, OH's wildfire risk, in USFS's own numbers
Yellow Springs sits at the 12th 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 1,929 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Yellow Springs's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Where Yellow Springs's buildings actually sit
54.1% of Yellow Springs's 1,929 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 42.7% Direct and 3.2% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Yellow Springs against the rest of the country
Compare Yellow Springs's two percentiles: 36th within Ohio, only 12th nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Yellow Springs ranks 27,811 for wildfire risk (1 is highest) and 7,683 by building count (1 is largest). Within Ohio alone, it ranks 810 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Yellow Springs and the insurance market
Yellow Springs's low wildfire rating (12th 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 ember exposure the dominant pattern in Yellow Springs (54.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Yellow Springs's figures come from
Yellow Springs's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Yellow Springs's dominant indirect exposure actually means, with real examples from across the dataset.