Hillsboro, OH
How exposed is Hillsboro to wildfire?
USFS scores Hillsboro at the 33rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 3,296 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hillsboro's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
Where Hillsboro's buildings actually sit
Indirect exposure is dominant in Hillsboro (57.8% of 3,296 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 42.2% sit in the Direct zone.
Where Hillsboro ranks
Hillsboro's 73rd-percentile standing inside Ohio outpaces its 33rd 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, Hillsboro ranks 21,061 for wildfire risk (1 is highest) and 5,051 by building count (1 is largest). Within Ohio alone, it ranks 342 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
Hillsboro's moderate wildfire rating (33rd 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
Hillsboro's 57.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Hillsboro's figures come from
Hillsboro's 33rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hillsboro's dominant indirect exposure actually means, with real examples from across the dataset.