Loudonville, OH
Loudonville wildfire risk explained
USFS scores Loudonville at the 30th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,723 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loudonville at the 31st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 74.1% of Loudonville's 1,723 buildings in the Indirect exposure zone, versus 25.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Loudonville against the rest of the country
Loudonville's 66th-percentile standing inside Ohio outpaces its 30th 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, Loudonville ranks 22,006 for wildfire risk (1 is highest) and 8,327 by building count (1 is largest). Within Ohio alone, it ranks 431 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Loudonville and the insurance market
Loudonville's moderate wildfire rating (30th 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
Loudonville's 74.1% 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 Loudonville's figures come from
Every one of the two percentiles behind Loudonville's 22,006-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loudonville's dominant indirect exposure actually means, with real examples from across the dataset.