Laotto, IN
How exposed is Laotto to wildfire?
Laotto sits at the 5th 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 232 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 Laotto at the 5th percentile, close to its 5th-percentile risk score.
What "at risk" means for the buildings here
Laotto rates 90.1% Minimal exposure against just 9.9% Direct and 0% Indirect — of 232 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Laotto compares
Within Indiana, Laotto ranks higher (35th percentile) than it does nationally (5th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Laotto ranks 30,003 for wildfire risk (1 is highest) and 23,733 by building count (1 is largest). Within Indiana alone, it ranks 633 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Laotto and the insurance market
Laotto's low wildfire rating (5th 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.
Lowering exposure, not just insuring around it
With 90.1% of buildings rated Minimal exposure, Laotto gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Laotto's figures come from
The methodology guide shows exactly how USFS turned 232 counted buildings into the percentiles shown above for Laotto. The exposure-zones guide covers what Laotto's dominant minimal exposure actually means, with real examples from across the dataset.