Centerville, IN
Centerville wildfire risk explained
Out of every US place USFS scores, Centerville lands at the 8th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,481 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Centerville's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
Centerville's building exposure, zone by zone
Only 15.9% of Centerville's 1,481 buildings carry Direct exposure and 4% carry Indirect; the remaining 80.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Centerville ranks
Within Indiana, Centerville ranks higher (50th percentile) than it does nationally (8th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Centerville ranks 28,897 for wildfire risk (1 is highest) and 9,245 by building count (1 is largest). Within Indiana alone, it ranks 480 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Centerville and the insurance market
Centerville's low wildfire rating (8th 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 Centerville
Even with 80.2% of Centerville 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
Centerville's 8th-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 Centerville, see the exposure-zones guide.