Willard, OH
How exposed is Willard to wildfire?
USFS scores Willard at the 6th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 3,139 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Willard's burn probability — fire likelihood with no building count factored in — sits at the 7th percentile nationally.
Willard's building exposure, zone by zone
89.8% of Willard's 3,139 buildings sit in USFS's Minimal exposure zone, with only 10% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Willard ranks
Within Ohio, Willard ranks higher (26th percentile) than it does nationally (6th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Willard ranks 29,576 for wildfire risk (1 is highest) and 5,243 by building count (1 is largest). Within Ohio alone, it ranks 930 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Willard and the insurance market
Willard's low wildfire rating (6th 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
Even with 89.8% of Willard outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Willard's 29,576-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Willard, see the exposure-zones guide.