Churubusco, IN
Churubusco, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Churubusco at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,028 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Churubusco at the 4th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Churubusco's building exposure, zone by zone
Churubusco rates 82.1% Minimal exposure against just 17.9% Direct and 0% Indirect — of 1,028 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Churubusco against the rest of the country
Churubusco's 31st-percentile standing inside Indiana outpaces its 4th 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, Churubusco ranks 30,157 for wildfire risk (1 is highest) and 11,737 by building count (1 is largest). Within Indiana alone, it ranks 663 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
At the 4th national percentile, Churubusco rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 82.1% of Churubusco 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.
Where Churubusco's figures come from
Every one of the two percentiles behind Churubusco's 30,157-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Churubusco's dominant minimal exposure actually means, with real examples from across the dataset.