Otisco, IN
How exposed is Otisco to wildfire?
Otisco's 188 buildings earn a 22nd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Otisco's burn probability — fire likelihood with no building count factored in — sits at the 23rd percentile nationally.
Otisco's building exposure, zone by zone
USFS classifies 67% of Otisco's buildings as Direct exposure, higher than its 33% Indirect share and far above its 0% Minimal share — a profile where 126 structures sit close enough to vegetation that lot clearing matters most.
How Otisco compares
Compare Otisco's two percentiles: 86th within Indiana, only 22nd nationally — a gap of 64 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Otisco ranks 24,609 for wildfire risk (1 is highest) and 25,314 by building count (1 is largest). Within Indiana alone, it ranks 139 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Otisco and the insurance market
At the 22nd national percentile, Otisco rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Otisco's 67% 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 Otisco's figures come from
The methodology guide shows exactly how USFS turned 188 counted buildings into the percentiles shown above for Otisco. The exposure-zones guide covers what Otisco's dominant direct exposure actually means, with real examples from across the dataset.