Bretzville, IN
Bretzville wildfire risk explained
USFS scores Bretzville at the 22nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 163 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bretzville's burn probability — fire likelihood with no building count factored in — sits at the 23rd percentile nationally.
Bretzville's building exposure, zone by zone
USFS classifies 96.9% of Bretzville's buildings as Direct exposure, higher than its 3.1% Indirect share and far above its 0% Minimal share — a profile where 158 structures sit close enough to vegetation that lot clearing matters most.
How Bretzville compares
Compare Bretzville's two percentiles: 86th within Indiana, only 22nd nationally — a gap of 64 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Bretzville ranks 24,511 for wildfire risk (1 is highest) and 26,280 by building count (1 is largest). Within Indiana alone, it ranks 129 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Bretzville and the insurance market
Bretzville's moderate wildfire rating (22nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Bretzville's 96.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Bretzville's 24,511-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Bretzville, see the exposure-zones guide.