Harrod, OH
How exposed is Harrod to wildfire?
Harrod sits at the 1st percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 296 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harrod at the 1st percentile, close to its 1st-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 88.2% of Harrod's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Harrod compares
There's little gap between Harrod's 1st national percentile and its 9th percentile inside Ohio, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Harrod ranks 31,088 for wildfire risk (1 is highest) and 21,738 by building count (1 is largest). Within Ohio alone, it ranks 1,154 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Harrod
Harrod's low rating (1st 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 Harrod
Harrod's 88.2% 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 Harrod's figures come from
Every one of the two percentiles behind Harrod's 31,088-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Harrod's dominant minimal exposure actually means, with real examples from across the dataset.