Girard, OH
Girard wildfire risk explained
USFS's Wildfire Risk to Communities model puts Girard at the 33rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 5,412 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Girard's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Where Girard's buildings actually sit
USFS classifies 90.2% of Girard's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.7% Direct and 2.1% Indirect — a landscape-level risk rather than a building-by-building one. At 5,412 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Girard against the rest of the country
Girard's 73rd-percentile standing inside Ohio outpaces its 33rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Girard ranks 21,093 for wildfire risk (1 is highest) and 3,192 by building count (1 is largest). Within Ohio alone, it ranks 345 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Girard
At the 33rd national percentile, Girard rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 90.2% of Girard 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 Girard's figures come from
The methodology guide shows exactly how USFS turned 5,412 counted buildings into the percentiles shown above for Girard. The exposure-zones guide covers what Girard's dominant minimal exposure actually means, with real examples from across the dataset.