Beaver Dam, IN
Beaver Dam wildfire risk explained
USFS's Wildfire Risk to Communities model puts Beaver Dam at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 348 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Beaver Dam at the 3rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Beaver Dam's buildings actually sit
Only 31% of Beaver Dam's 348 buildings carry Direct exposure and 0% carry Indirect; the remaining 69% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Beaver Dam ranks
Beaver Dam's 19th-percentile standing inside Indiana outpaces its 3rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Beaver Dam ranks 30,694 for wildfire risk (1 is highest) and 20,361 by building count (1 is largest). Within Indiana alone, it ranks 782 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
Beaver Dam's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Beaver Dam's 69% 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 Beaver Dam's 30,694-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Beaver Dam, see the exposure-zones guide.