Harveysburg, OH
Harveysburg, OH's wildfire risk, in USFS's own numbers
USFS scores Harveysburg at the 15th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 503 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harveysburg at the 16th percentile, close to its 15th-percentile risk score.
What "at risk" means for the buildings here
Of Harveysburg's 503 counted buildings, 63.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Harveysburg against the rest of the country
Compare Harveysburg's two percentiles: 42nd within Ohio, only 15th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Harveysburg ranks 26,900 for wildfire risk (1 is highest) and 17,292 by building count (1 is largest). Within Ohio alone, it ranks 729 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
Harveysburg's low wildfire rating (15th 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.
What would actually reduce this score
Harveysburg's 63.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 503 counted buildings into the percentiles shown above for Harveysburg. For more on what direct exposure implies beyond Harveysburg, see the exposure-zones guide.