Clarktown, OH
Clarktown, OH's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Clarktown at the 60th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 745 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clarktown at the 60th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Clarktown's buildings actually sit
Direct exposure dominates in Clarktown: 92.8% of its 745 buildings, versus 7.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Clarktown ranks
Compare Clarktown's two percentiles: 100th within Ohio, only 60th nationally — a gap of 40 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Clarktown ranks 12,773 for wildfire risk (1 is highest) and 14,177 by building count (1 is largest). Within Ohio alone, it ranks 3 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
Clarktown's elevated wildfire rating (60th 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.
Lowering exposure, not just insuring around it
With 92.8% of Clarktown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Clarktown's figures come from
Clarktown's 60th-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 Clarktown's dominant direct exposure actually means, with real examples from across the dataset.