Scotland, IN
Scotland wildfire risk explained
Scotland sits at the 15th 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 127 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Scotland at the 16th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Scotland's buildings actually sit
USFS classifies 94.5% of Scotland's buildings as Direct exposure, higher than its 5.5% Indirect share and far above its 0% Minimal share — a profile where 120 structures sit close enough to vegetation that lot clearing matters most.
Where Scotland ranks
Scotland's 69th-percentile standing inside Indiana outpaces its 15th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Scotland ranks 26,657 for wildfire risk (1 is highest) and 27,849 by building count (1 is largest). Within Indiana alone, it ranks 300 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Scotland
At the 15th national percentile, Scotland rates low 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
Scotland's 94.5% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 127 counted buildings into the percentiles shown above for Scotland. For more on what direct exposure implies beyond Scotland, see the exposure-zones guide.