Latty, OH
Latty wildfire risk explained
Latty sits at the 0th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 149 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Latty at the 0th percentile, close to its 0th-percentile risk score.
What "at risk" means for the buildings here
84.6% of Latty's 149 buildings sit in USFS's Minimal exposure zone, with only 15.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Latty against the rest of the country
There's little gap between Latty's 0th national percentile and its 1st percentile inside Ohio, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Latty ranks 31,470 for wildfire risk (1 is highest) and 26,921 by building count (1 is largest). Within Ohio alone, it ranks 1,252 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
Latty'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 84.6% of Latty 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.
More on how this number was built
Every one of the two percentiles behind Latty's 31,470-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Latty, see the exposure-zones guide.