Cloverdale, OH
Cloverdale wildfire risk explained
Cloverdale's 148 buildings earn a 2nd-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 Cloverdale at the 2nd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Cloverdale's building exposure, zone by zone
79.7% of Cloverdale's 148 buildings sit in USFS's Minimal exposure zone, with only 20.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Cloverdale compares
Cloverdale scores 2nd nationally and 15th within Ohio — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Cloverdale ranks 30,833 for wildfire risk (1 is highest) and 26,963 by building count (1 is largest). Within Ohio alone, it ranks 1,080 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
Cloverdale's low rating (2nd 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 Cloverdale
Even with 79.7% of Cloverdale 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 Cloverdale's figures come from
Every one of the two percentiles behind Cloverdale's 30,833-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cloverdale's dominant minimal exposure actually means, with real examples from across the dataset.