Fruit Hill, OH
Fruit Hill, OH's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Fruit Hill at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,597 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fruit Hill at the 14th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fruit Hill's buildings actually sit
59.2% of Fruit Hill's 1,597 buildings sit in USFS's Direct exposure zone, roughly 946 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 40.8% are Minimal.
Where Fruit Hill ranks
Compare Fruit Hill's two percentiles: 39th within Ohio, only 13th nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Fruit Hill ranks 27,394 for wildfire risk (1 is highest) and 8,780 by building count (1 is largest). Within Ohio alone, it ranks 771 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
Fruit Hill's low wildfire rating (13th 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
Fruit Hill's 59.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Fruit Hill's figures come from
Fruit Hill's 13th-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 Fruit Hill's dominant direct exposure actually means, with real examples from across the dataset.