Morristown, OH
Morristown wildfire risk explained
Morristown's 236 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morristown at the 44th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Morristown's buildings actually sit
84.8% of Morristown's 236 buildings sit in USFS's Direct exposure zone, roughly 200 structures close enough to burnable vegetation for flame contact, not just embers — 15.3% fall in the Indirect, ember-only zone and 0% are Minimal.
How Morristown compares
Morristown's 92nd-percentile standing inside Ohio outpaces its 42nd 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, Morristown ranks 18,315 for wildfire risk (1 is highest) and 23,606 by building count (1 is largest). Within Ohio alone, it ranks 98 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
Morristown's elevated wildfire rating (42nd 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
Because Direct exposure dominates in Morristown (84.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 236 counted buildings into the percentiles shown above for Morristown. For more on what direct exposure implies beyond Morristown, see the exposure-zones guide.