Kirtland, OH
Kirtland, OH's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Kirtland lands at the 36th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 3,789 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kirtland at the 38th percentile, close to its 36th-percentile risk score.
What "at risk" means for the buildings here
Of Kirtland's 3,789 counted buildings, 88.4% carry Direct exposure and only 6.2% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Kirtland ranks
Kirtland's 79th-percentile standing inside Ohio outpaces its 36th 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, Kirtland ranks 20,180 for wildfire risk (1 is highest) and 4,437 by building count (1 is largest). Within Ohio alone, it ranks 262 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
Kirtland's moderate rating (36th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Kirtland's 88.4% 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 3,789 counted buildings into the percentiles shown above for Kirtland. For more on what direct exposure implies beyond Kirtland, see the exposure-zones guide.