Chatfield, OH
Chatfield, OH's wildfire risk, in USFS's own numbers
Chatfield's 201 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Chatfield at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Chatfield rates 86.6% Minimal exposure against just 13.4% Direct and 0% Indirect — of 201 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Chatfield against the rest of the country
There's little gap between Chatfield's 1st national percentile and its 6th percentile inside Ohio, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Chatfield ranks 31,213 for wildfire risk (1 is highest) and 24,810 by building count (1 is largest). Within Ohio alone, it ranks 1,192 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
At the 1st national percentile, Chatfield rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Chatfield
Even with 86.6% of Chatfield 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 Chatfield's figures come from
Chatfield's 1st-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 Chatfield's dominant minimal exposure actually means, with real examples from across the dataset.