Avoca, IN
How exposed is Avoca to wildfire?
USFS's Wildfire Risk to Communities model puts Avoca at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 450 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Avoca's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 97.8% of Avoca's buildings as Direct exposure, higher than its 2.2% Indirect share and far above its 0% Minimal share — a profile where 440 structures sit close enough to vegetation that lot clearing matters most.
Avoca against the rest of the country
Compare Avoca's two percentiles: 82nd within Indiana, only 21st nationally — a gap of 62 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Avoca ranks 24,987 for wildfire risk (1 is highest) and 18,276 by building count (1 is largest). Within Indiana alone, it ranks 169 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Avoca and the insurance market
At the 21st national percentile, Avoca rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Avoca (97.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 450 counted buildings into the percentiles shown above for Avoca. For more on what direct exposure implies beyond Avoca, see the exposure-zones guide.