Cartersburg, IN
Cartersburg wildfire risk explained
Cartersburg's 184 buildings earn a 11th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cartersburg at the 11th percentile, close to its 11th-percentile risk score.
Where Cartersburg's buildings actually sit
Most of Cartersburg's buildings (70.7% of 184) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Cartersburg ranks
Cartersburg's 59th-percentile standing inside Indiana outpaces its 11th 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, Cartersburg ranks 28,074 for wildfire risk (1 is highest) and 25,456 by building count (1 is largest). Within Indiana alone, it ranks 399 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
Cartersburg's low wildfire rating (11th 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
With 70.7% of buildings rated Minimal exposure, Cartersburg gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Cartersburg's 11th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Cartersburg, see the exposure-zones guide.