Stewart, OH
How exposed is Stewart to wildfire?
Stewart's 190 buildings earn a 44th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stewart at the 44th percentile, close to its 44th-percentile risk score.
Where Stewart's buildings actually sit
58.4% of Stewart's 190 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 41.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Stewart against the rest of the country
Within Ohio, Stewart ranks higher (95th percentile) than it does nationally (44th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stewart ranks 17,752 for wildfire risk (1 is highest) and 25,255 by building count (1 is largest). Within Ohio alone, it ranks 64 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 44th national percentile, Stewart rates elevated 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
Because 58.4% of Stewart's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Stewart's figures come from
Every one of the two percentiles behind Stewart's 17,752-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Stewart's dominant indirect exposure actually means, with real examples from across the dataset.