Smithville, OH
Smithville wildfire risk explained
Out of every US place USFS scores, Smithville lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 704 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Smithville at the 7th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Smithville's buildings actually sit
USFS classifies 80.1% of Smithville's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 19.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Smithville compares
Compare Smithville's two percentiles: 28th within Ohio, only 7th nationally — a gap of 21 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Smithville ranks 29,422 for wildfire risk (1 is highest) and 14,614 by building count (1 is largest). Within Ohio alone, it ranks 917 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
Smithville's low wildfire rating (7th 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.
Hardening a home in Smithville
With 80.1% of buildings rated Minimal exposure, Smithville 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 704 counted buildings into the percentiles shown above for Smithville. For more on what minimal exposure implies beyond Smithville, see the exposure-zones guide.