Utica, IN
How exposed is Utica to wildfire?
Utica's 544 buildings earn a 19th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Utica's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Utica's building exposure, zone by zone
544 buildings are counted in Utica, and 47.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 26.8% rated Minimal.
How Utica compares
Compare Utica's two percentiles: 77th within Indiana, only 19th nationally — a gap of 57 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Utica ranks 25,492 for wildfire risk (1 is highest) and 16,653 by building count (1 is largest). Within Indiana alone, it ranks 227 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Utica
At the 19th national percentile, Utica 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
Utica's 47.1% 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
Utica's 19th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Utica, see the exposure-zones guide.