Haviland, OH
How exposed is Haviland to wildfire?
Haviland's 166 buildings earn a 0th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Haviland at the 0th percentile, close to its 0th-percentile risk score.
Where Haviland's buildings actually sit
USFS classifies 96.4% of Haviland's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Haviland compares
Haviland scores 0th nationally and 0th within Ohio — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Haviland ranks 31,521 for wildfire risk (1 is highest) and 26,186 by building count (1 is largest). Within Ohio alone, it ranks 1,264 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Haviland
Haviland's low wildfire rating (0th 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
Even with 96.4% of Haviland outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Haviland's figures come from
Every one of the two percentiles behind Haviland's 31,521-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Haviland's dominant minimal exposure actually means, with real examples from across the dataset.