Rutland, OH
How exposed is Rutland to wildfire?
USFS's Wildfire Risk to Communities model puts Rutland at the 45th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 354 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rutland at the 46th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Rutland's building exposure, zone by zone
354 buildings are counted in Rutland, and 72.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Rutland against the rest of the country
Within Ohio, Rutland ranks higher (96th percentile) than it does nationally (45th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Rutland ranks 17,497 for wildfire risk (1 is highest) and 20,221 by building count (1 is largest). Within Ohio alone, it ranks 48 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
Rutland's elevated wildfire rating (45th 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.
Lowering exposure, not just insuring around it
With 72.9% of Rutland in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Rutland's figures come from
The methodology guide shows exactly how USFS turned 354 counted buildings into the percentiles shown above for Rutland. The exposure-zones guide covers what Rutland's dominant direct exposure actually means, with real examples from across the dataset.