Ora, IN
Ora, IN's wildfire risk, in USFS's own numbers
Ora sits at the 6th 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 102 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ora at the 6th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Ora's buildings actually sit
74.5% of Ora's 102 buildings sit in USFS's Direct exposure zone, roughly 76 structures close enough to burnable vegetation for flame contact, not just embers — 1% fall in the Indirect, ember-only zone and 24.5% are Minimal.
Ora against the rest of the country
Compare Ora's two percentiles: 41st within Indiana, only 6th nationally — a gap of 35 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ora ranks 29,627 for wildfire risk (1 is highest) and 28,947 by building count (1 is largest). Within Indiana alone, it ranks 572 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Ora
At the 6th national percentile, Ora 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
Ora's 74.5% 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.
Where Ora's figures come from
The methodology guide shows exactly how USFS turned 102 counted buildings into the percentiles shown above for Ora. The exposure-zones guide covers what Ora's dominant direct exposure actually means, with real examples from across the dataset.