Apple Valley, OH
How exposed is Apple Valley to wildfire?
USFS's Wildfire Risk to Communities model puts Apple Valley at the 31st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,330 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Apple Valley's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
Apple Valley's building exposure, zone by zone
84.3% of Apple Valley's 3,330 buildings sit in USFS's Direct exposure zone, roughly 2,808 structures close enough to burnable vegetation for flame contact, not just embers — 10.2% fall in the Indirect, ember-only zone and 5.5% are Minimal.
How Apple Valley compares
Apple Valley's 68th-percentile standing inside Ohio outpaces its 31st 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, Apple Valley ranks 21,715 for wildfire risk (1 is highest) and 5,004 by building count (1 is largest). Within Ohio alone, it ranks 405 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Apple Valley and the insurance market
Apple Valley's moderate rating (31st 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 Apple Valley
Because Direct exposure dominates in Apple Valley (84.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Apple Valley's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Apple Valley, see the exposure-zones guide.