Morgandale, OH
Morgandale wildfire risk explained
Morgandale's 1,056 buildings earn a 33rd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morgandale at the 34th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Morgandale's buildings actually sit
Most of Morgandale's buildings (51.4% of 1,056) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Morgandale against the rest of the country
Morgandale's 72nd-percentile standing inside Ohio outpaces its 33rd 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, Morgandale ranks 21,282 for wildfire risk (1 is highest) and 11,562 by building count (1 is largest). Within Ohio alone, it ranks 360 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
Morgandale's moderate wildfire rating (33rd 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.
What would actually reduce this score
With 51.4% of buildings rated Minimal exposure, Morgandale gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Morgandale's figures come from
Every one of the two percentiles behind Morgandale's 21,282-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Morgandale's dominant minimal exposure actually means, with real examples from across the dataset.