Charlottesville, IN
How exposed is Charlottesville to wildfire?
Out of every US place USFS scores, Charlottesville lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 244 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Charlottesville's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Charlottesville's building exposure, zone by zone
USFS classifies 59.4% of Charlottesville's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 40.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Charlottesville ranks
Compare Charlottesville's two percentiles: 37th within Indiana, only 5th nationally — a gap of 32 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Charlottesville ranks 29,877 for wildfire risk (1 is highest) and 23,328 by building count (1 is largest). Within Indiana alone, it ranks 610 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
Charlottesville's low wildfire rating (5th 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.
Lowering exposure, not just insuring around it
With 59.4% of buildings rated Minimal exposure, Charlottesville 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
The methodology guide shows exactly how USFS turned 244 counted buildings into the percentiles shown above for Charlottesville. For more on what minimal exposure implies beyond Charlottesville, see the exposure-zones guide.