Hartville, OH
How exposed is Hartville to wildfire?
USFS scores Hartville at the 26th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,430 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hartville at the 28th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hartville's buildings actually sit
Indirect exposure is dominant in Hartville (56.9% of 1,430 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 28.4% sit in the Direct zone.
Where Hartville ranks
Hartville's 59th-percentile standing inside Ohio outpaces its 26th 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, Hartville ranks 23,364 for wildfire risk (1 is highest) and 9,478 by building count (1 is largest). Within Ohio alone, it ranks 519 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Hartville and the insurance market
Hartville's moderate wildfire rating (26th 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Hartville (56.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,430 counted buildings into the percentiles shown above for Hartville. For more on what indirect exposure implies beyond Hartville, see the exposure-zones guide.