Andrews, IN
Andrews wildfire risk explained
USFS scores Andrews at the 12th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 643 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Andrews's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
What "at risk" means for the buildings here
USFS puts 73.6% of Andrews's 643 buildings in the Indirect exposure zone, versus 26.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Andrews compares
Compare Andrews's two percentiles: 62nd within Indiana, only 12th nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Andrews ranks 27,601 for wildfire risk (1 is highest) and 15,282 by building count (1 is largest). Within Indiana alone, it ranks 363 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Andrews and the insurance market
Andrews's low rating (12th 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 Andrews
Because 73.6% of Andrews's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Andrews's figures come from
Andrews's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Andrews's dominant indirect exposure actually means, with real examples from across the dataset.