Otterbein, IN
How exposed is Otterbein to wildfire?
USFS's Wildfire Risk to Communities model puts Otterbein at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 721 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Otterbein at the 3rd percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
Only 11.8% of Otterbein's 721 buildings carry Direct exposure and 0% carry Indirect; the remaining 88.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Otterbein against the rest of the country
Within Indiana, Otterbein ranks higher (21st percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Otterbein ranks 30,573 for wildfire risk (1 is highest) and 14,437 by building count (1 is largest). Within Indiana alone, it ranks 763 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Otterbein
Otterbein's low wildfire rating (3rd 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
Even with 88.2% of Otterbein 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.
More on how this number was built
Otterbein's 3rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Otterbein, see the exposure-zones guide.