Cardington, OH
Cardington, OH's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Cardington at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,149 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cardington at the 3rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Cardington's buildings actually sit
USFS classifies 71.3% of Cardington's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 28.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Cardington ranks
Cardington's 18th-percentile standing inside Ohio outpaces its 3rd 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, Cardington ranks 30,554 for wildfire risk (1 is highest) and 10,967 by building count (1 is largest). Within Ohio alone, it ranks 1,031 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Cardington
Cardington's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 71.3% of Cardington 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 Cardington's figures come from
Every one of the two percentiles behind Cardington's 30,554-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cardington's dominant minimal exposure actually means, with real examples from across the dataset.