Carrollton, OH
Carrollton wildfire risk explained
Carrollton's 1,870 buildings earn a 41st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carrollton's burn probability — fire likelihood with no building count factored in — sits at the 42nd percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Carrollton (78.2% of 1,870 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 21.8% sit in the Direct zone.
Carrollton against the rest of the country
Compare Carrollton's two percentiles: 89th within Ohio, only 41st nationally — a gap of 48 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Carrollton ranks 18,725 for wildfire risk (1 is highest) and 7,849 by building count (1 is largest). Within Ohio alone, it ranks 141 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
Carrollton's elevated wildfire rating (41st 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
Carrollton's 78.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Carrollton's figures come from
Carrollton's 41st-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 Carrollton's dominant indirect exposure actually means, with real examples from across the dataset.