Otwell, IN
Otwell wildfire risk explained
Out of every US place USFS scores, Otwell lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 341 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Otwell at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
76.8% of Otwell's 341 buildings sit in USFS's Minimal exposure zone, with only 23.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Otwell against the rest of the country
Within Indiana, Otwell ranks higher (43rd percentile) than it does nationally (6th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Otwell ranks 29,560 for wildfire risk (1 is highest) and 20,545 by building count (1 is largest). Within Indiana alone, it ranks 556 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Otwell and the insurance market
Otwell's low rating (6th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Otwell
With 76.8% of buildings rated Minimal exposure, Otwell gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 341 counted buildings into the percentiles shown above for Otwell. For more on what minimal exposure implies beyond Otwell, see the exposure-zones guide.