Zoar, OH
How exposed is Zoar to wildfire?
Zoar sits at the 37th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 159 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Zoar at the 38th percentile, close to its 37th-percentile risk score.
Zoar's building exposure, zone by zone
USFS classifies 52.2% of Zoar's buildings as Direct exposure, higher than its 47.8% Indirect share and far above its 0% Minimal share — a profile where 83 structures sit close enough to vegetation that lot clearing matters most.
Zoar against the rest of the country
Zoar's 80th-percentile standing inside Ohio outpaces its 37th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Zoar ranks 19,919 for wildfire risk (1 is highest) and 26,491 by building count (1 is largest). Within Ohio alone, it ranks 248 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Zoar and the insurance market
At the 37th national percentile, Zoar rates moderate 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
With 52.2% of Zoar 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 Zoar's figures come from
Zoar's 37th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Zoar's dominant direct exposure actually means, with real examples from across the dataset.