Carrollton, IN
Carrollton, IN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Carrollton lands at the 3rd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 300 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Carrollton at the 3rd percentile, close to its 3rd-percentile risk score.
Where Carrollton's buildings actually sit
58.7% of Carrollton's 300 buildings sit in USFS's Minimal exposure zone, with only 41.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Carrollton ranks
Compare Carrollton's two percentiles: 18th within Indiana, only 3rd nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Carrollton ranks 30,728 for wildfire risk (1 is highest) and 21,629 by building count (1 is largest). Within Indiana alone, it ranks 791 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Carrollton and the insurance market
Carrollton's low wildfire rating (3rd 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.
Hardening a home in Carrollton
Even with 58.7% of Carrollton outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 300 counted buildings into the percentiles shown above for Carrollton. For more on what minimal exposure implies beyond Carrollton, see the exposure-zones guide.