Mutual, OH
Mutual, OH's wildfire risk, in USFS's own numbers
USFS scores Mutual at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 103 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mutual's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Where Mutual's buildings actually sit
USFS classifies 76.7% of Mutual's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Mutual against the rest of the country
Within Ohio, Mutual ranks higher (30th percentile) than it does nationally (9th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Mutual ranks 28,752 for wildfire risk (1 is highest) and 28,917 by building count (1 is largest). Within Ohio alone, it ranks 880 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
At the 9th national percentile, Mutual rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Mutual's 76.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 103 counted buildings into the percentiles shown above for Mutual. For more on what minimal exposure implies beyond Mutual, see the exposure-zones guide.