Arcadia, IN
Arcadia, IN's wildfire risk, in USFS's own numbers
Arcadia's 899 buildings earn a 4th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Arcadia at the 4th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Arcadia's buildings actually sit
Only 6.2% of Arcadia's 899 buildings carry Direct exposure and 0% carry Indirect; the remaining 93.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Arcadia compares
Compare Arcadia's two percentiles: 30th within Indiana, only 4th nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Arcadia ranks 30,250 for wildfire risk (1 is highest) and 12,727 by building count (1 is largest). Within Indiana alone, it ranks 680 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
Arcadia's low rating (4th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Arcadia's 93.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Arcadia's 30,250-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Arcadia, see the exposure-zones guide.