Cortland, IN
Cortland wildfire risk explained
Cortland sits at the 2nd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 184 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cortland's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Where Cortland's buildings actually sit
Cortland rates 70.7% Minimal exposure against just 29.4% Direct and 0% Indirect — of 184 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Cortland against the rest of the country
Cortland scores 2nd nationally and 12th within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Cortland ranks 31,015 for wildfire risk (1 is highest) and 25,457 by building count (1 is largest). Within Indiana alone, it ranks 854 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
At the 2nd national percentile, Cortland rates low 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
Cortland's 70.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Cortland's figures come from
Every one of the two percentiles behind Cortland's 31,015-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cortland's dominant minimal exposure actually means, with real examples from across the dataset.