Ladoga, IN
Ladoga wildfire risk explained
Ladoga sits at the 3rd 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 627 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ladoga's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 87.9% of Ladoga's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 12.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Ladoga compares
Ladoga's 22nd-percentile standing inside Indiana outpaces its 3rd 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, Ladoga ranks 30,570 for wildfire risk (1 is highest) and 15,479 by building count (1 is largest). Within Indiana alone, it ranks 760 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
Ladoga's low wildfire rating (3rd 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
Ladoga's 87.9% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 627 counted buildings into the percentiles shown above for Ladoga. For more on what minimal exposure implies beyond Ladoga, see the exposure-zones guide.