Tocsin, IN
Tocsin wildfire risk explained
Out of every US place USFS scores, Tocsin lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 123 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tocsin at the 1st national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
71.5% of Tocsin's 123 buildings sit in USFS's Minimal exposure zone, with only 28.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Tocsin against the rest of the country
Tocsin scores 1st nationally and 3rd within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Tocsin ranks 31,335 for wildfire risk (1 is highest) and 28,019 by building count (1 is largest). Within Indiana alone, it ranks 933 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Tocsin and the insurance market
At the 1st national percentile, Tocsin 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
With 71.5% of buildings rated Minimal exposure, Tocsin gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Tocsin's figures come from
The methodology guide shows exactly how USFS turned 123 counted buildings into the percentiles shown above for Tocsin. The exposure-zones guide covers what Tocsin's dominant minimal exposure actually means, with real examples from across the dataset.