Howard, OH
Howard, OH's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Howard at the 27th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 198 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Howard at the 27th percentile, close to its 27th-percentile risk score.
Howard's building exposure, zone by zone
Of Howard's 198 counted buildings, 50.5% 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.
How Howard compares
Howard's 61st-percentile standing inside Ohio outpaces its 27th 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, Howard ranks 22,893 for wildfire risk (1 is highest) and 24,933 by building count (1 is largest). Within Ohio alone, it ranks 498 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
At the 27th national percentile, Howard rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Howard
With 50.5% of Howard in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Howard's figures come from
The methodology guide shows exactly how USFS turned 198 counted buildings into the percentiles shown above for Howard. The exposure-zones guide covers what Howard's dominant direct exposure actually means, with real examples from across the dataset.