Loveland, OH
Loveland, OH's wildfire risk, in USFS's own numbers
Loveland's 4,717 buildings earn a 19th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loveland's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Where Loveland's buildings actually sit
Direct exposure dominates in Loveland: 54.3% of its 4,717 buildings, versus 19.1% Indirect and 26.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Loveland against the rest of the country
Loveland's 50th-percentile standing inside Ohio outpaces its 19th 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, Loveland ranks 25,474 for wildfire risk (1 is highest) and 3,616 by building count (1 is largest). Within Ohio alone, it ranks 637 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Loveland and the insurance market
Loveland's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Loveland's 54.3% 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 4,717 counted buildings into the percentiles shown above for Loveland. For more on what direct exposure implies beyond Loveland, see the exposure-zones guide.