Ontario, IN
Ontario wildfire risk explained
Ontario sits at the 12th 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 196 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ontario's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Where Ontario's buildings actually sit
USFS classifies 77.6% of Ontario's buildings as Direct exposure, higher than its 22.5% Indirect share and far above its 0% Minimal share — a profile where 152 structures sit close enough to vegetation that lot clearing matters most.
How Ontario compares
Compare Ontario's two percentiles: 62nd within Indiana, only 12th nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ontario ranks 27,695 for wildfire risk (1 is highest) and 24,991 by building count (1 is largest). Within Indiana alone, it ranks 371 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Ontario and the insurance market
Ontario's low wildfire rating (12th 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
Ontario's 77.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 196 counted buildings into the percentiles shown above for Ontario. For more on what direct exposure implies beyond Ontario, see the exposure-zones guide.