Harbor View, OH
How exposed is Harbor View to wildfire?
USFS's Wildfire Risk to Communities model puts Harbor View at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 64 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harbor View at the 14th percentile, close to its 13th-percentile risk score.
Where Harbor View's buildings actually sit
Harbor View rates 100% Minimal exposure against just 0% Direct and 0% Indirect — of 64 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Harbor View ranks
Harbor View's 39th-percentile standing inside Ohio outpaces its 13th 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, Harbor View ranks 27,459 for wildfire risk (1 is highest) and 30,520 by building count (1 is largest). Within Ohio alone, it ranks 779 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Harbor View and the insurance market
At the 13th national percentile, Harbor View rates low 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
Harbor View's 100% 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.
More on how this number was built
Harbor View's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Harbor View, see the exposure-zones guide.