Modoc, IN
Modoc wildfire risk explained
Out of every US place USFS scores, Modoc lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 132 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Modoc at the 4th percentile, close to its 5th-percentile risk score.
Where Modoc's buildings actually sit
Modoc rates 88.6% Minimal exposure against just 11.4% Direct and 0% Indirect — of 132 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Modoc compares
Compare Modoc's two percentiles: 32nd within Indiana, only 5th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Modoc ranks 30,097 for wildfire risk (1 is highest) and 27,615 by building count (1 is largest). Within Indiana alone, it ranks 649 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Modoc
At the 5th national percentile, Modoc rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 88.6% of Modoc 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.
Where Modoc's figures come from
The methodology guide shows exactly how USFS turned 132 counted buildings into the percentiles shown above for Modoc. The exposure-zones guide covers what Modoc's dominant minimal exposure actually means, with real examples from across the dataset.