Cass, IN
Cass, IN's wildfire risk, in USFS's own numbers
Cass sits at the 27th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 75 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cass at the 28th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cass's building exposure, zone by zone
75 buildings are counted in Cass, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Cass compares
Cass's 93rd-percentile standing inside Indiana outpaces its 27th 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, Cass ranks 23,034 for wildfire risk (1 is highest) and 30,081 by building count (1 is largest). Within Indiana alone, it ranks 72 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
Cass's moderate wildfire rating (27th 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
Because Direct exposure dominates in Cass (100%), 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 75 counted buildings into the percentiles shown above for Cass. For more on what direct exposure implies beyond Cass, see the exposure-zones guide.