Harbor Hills, OH
Harbor Hills wildfire risk explained
USFS's Wildfire Risk to Communities model puts Harbor Hills at the 18th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,031 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harbor Hills's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 67.4% of Harbor Hills's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 32.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Harbor Hills ranks
Within Ohio, Harbor Hills ranks higher (47th percentile) than it does nationally (18th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Harbor Hills ranks 25,914 for wildfire risk (1 is highest) and 11,718 by building count (1 is largest). Within Ohio alone, it ranks 666 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
Harbor Hills's low rating (18th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Harbor Hills's 67.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Harbor Hills's figures come from
Every one of the two percentiles behind Harbor Hills's 25,914-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Harbor Hills's dominant minimal exposure actually means, with real examples from across the dataset.