Montpelier, OH
Montpelier, OH's wildfire risk, in USFS's own numbers
Montpelier sits at the 6th 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 2,233 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 Montpelier at the 7th percentile, close to its 6th-percentile risk score.
What "at risk" means for the buildings here
Only 6.7% of Montpelier's 2,233 buildings carry Direct exposure and 0% carry Indirect; the remaining 93.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Montpelier against the rest of the country
Montpelier's 27th-percentile standing inside Ohio outpaces its 6th 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, Montpelier ranks 29,547 for wildfire risk (1 is highest) and 6,856 by building count (1 is largest). Within Ohio alone, it ranks 928 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
Montpelier's low rating (6th 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
With 93.3% of buildings rated Minimal exposure, Montpelier gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,233 counted buildings into the percentiles shown above for Montpelier. For more on what minimal exposure implies beyond Montpelier, see the exposure-zones guide.