Otto Township Fire Protection District Community Risk Profile

Service Area Overview

Your department boundary, station locations, and overall NRI risk scores by census tract. Use the sections below to explore specific hazards, fire risk indicators, and EMS demand drivers across your service area.

Service area, population, and census tract assignments are based on department boundaries from NERIS Public. Boundary accuracy varies by jurisdiction.

Natural Hazard Risk

What this means for planning: With a risk score of 94.1 (Very High nationally), cold wave is your leading natural hazard. Focus on cold-exposure emergency response, warming center partnerships, and proactive wellness checks for vulnerable populations during extreme cold events.

Top 5 Hazards in Your Service Area

Sorted by life-safety impact. Life-safety loss uses FEMA’s Value of Statistical Life ($13.7M per fatality or 10 injuries). NRI methodology

Hazard	Risk Score	Rating	Life-Safety Loss $/yr	Total Loss $/yr
Cold Wave TOP LIFE-SAFETY HAZARD	94.1	Very High	$1.9M/yr	$1.9M/yr
Tornado	75.9	Relatively High	$157K/yr	$584K/yr
Heat Wave	52	Relatively Moderate	$111K/yr	$112K/yr
Strong Wind	78.4	Relatively High	$64K/yr	$146K/yr
Earthquake	72.3	Relatively High	$60K/yr	$276K/yr

How to read this map: Colors show absolute national risk levels (red = Very High nationally, green = Very Low nationally). These are objective hazard comparisons across all U.S. communities.

Historical Disaster Declarations

Your county has experienced 4 FEMA disaster declarations in the last 10 years, and 11 declarations in the last 25 years.

Date	Type	Title
2020-03-26	Biological	COVID-19 PANDEMIC
2020-03-13	Biological	COVID-19
2008-03-07	Severe Storm	SEVERE STORMS AND FLOODING
2005-09-07	Hurricane	HURRICANE KATRINA EVACUATION
2004-04-23	Severe Storm	SEVERE STORMS AND TORNADOES

Demographics & Vulnerability

Why This Matters

Your community's demographics shape everything: from where you need smoke alarm programs to how many of your calls are EMS. The data below identifies who generates the most emergency demand, who faces the greatest barriers during emergencies, and who benefits most from targeted CRR outreach.

Age Distribution

Age drives EMS call volume (highest utilization: 65+ and especially 75+, with elevated rates also among children under 5), shapes fire safety education priorities, and determines evacuation assistance needs. The dark marker on each bar shows the national average.

Under 5

6.9% (699)

Ages 5-17

17.1% (1,740)

Ages 18-64

55.0% (5,601)

Ages 65-74

11.4% (1,159)

Ages 75-84

8.3% (841)

Ages 85+

1.3% (137)

Your Community

National Average

Social Vulnerability Indicators

These indicators identify populations that need additional support during emergencies, face barriers to self-evacuation or medical access, and benefit most from proactive CRR programming.

Vulnerability Factor	Your Community	Peer Average	National Average	vs. Peers
Disability Rate Higher EMS utilization, evacuation assistance needs, accessible communication requirements	20.6%	16.0%	13.4%	slightly higher
Poverty Rate Economic barrier to safety resources	11.8%	11.2%	12.5%	≈ average
Uninsured Rate May delay medical care, leading to emergencies	3.9%	7.1%	8.3%	1.9x lower
Limited English Households Language barrier to emergency communication	1.2%	0.8%	4.3%	slightly higher
No Vehicle Access Evacuation risk; higher EMS transport dependence	4.6%	5.6%	8.7%	slightly lower
No Internet Access Disconnected from digital emergency alerts	15.1%	11.3%	6.7%	slightly higher

Economic Context

Median Household Income

$85,268

Peers: $72,605 · National: $89,476

Per Capita Income

$37,090

Peers: $35,383 · National: $44,519

Median Home Value

$179,298

Peers: $151,475 · National: $402,761

Fire Risk Factors

What this means for planning: Focus fire prevention efforts on cooking safety (leading cause of home fires), heating equipment safety, electrical hazards, and smoke alarm installation programs. Target education toward renters and multi-family buildings where fire incidence is typically higher.

How to read this map: Colors show relative risk within your jurisdiction (red = highest-need tracts, green = lowest-need). Check the table below for overall levels vs. peers and national averages.

Risk Factor	Your Community	Peer Average	National Average	vs. Peers
Pre-1980 Housing Pre-1980 construction standards	67.7%	52.6%	36.3%	slightly higher
Wood Heating Wood stoves and fireplaces as primary heat	0.2%	3.8%	1.4%	19.4x lower
Vacancy Rate Vacant properties at higher fire risk	9.8%	11.4%	10.3%	≈ average
Mobile Homes Structural fire spread risk	12.3%	8.4%	5.8%	slightly higher
Renter-Occupied Higher turnover, variable maintenance	22.3%	20.0%	34.7%	≈ average

EMS Risk Factors

EMS typically accounts for 60-80% of fire department call volume nationally. The demographics below are the strongest predictors of where that demand comes from in your service area.

What this means for planning: 20.6% of residents have a disability, 1.5x higher the national average. Residents with disabilities have higher EMS utilization and may require specialized evacuation assistance, accessible communication during emergencies, and coordination with social services. Consider functional needs assessments in pre-incident planning and partnerships with disability advocacy organizations.