Coesse, IN
Coesse, IN's wildfire risk, in USFS's own numbers
Coesse sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 99 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coesse at the 3rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 40.4% of Coesse's 99 buildings carry Direct exposure and 0% carry Indirect; the remaining 59.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Coesse compares
Compare Coesse's two percentiles: 22nd within Indiana, only 3rd nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Coesse ranks 30,541 for wildfire risk (1 is highest) and 29,072 by building count (1 is largest). Within Indiana alone, it ranks 752 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
Coesse's low wildfire rating (3rd 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 59.6% of buildings rated Minimal exposure, Coesse gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Coesse's figures come from
The methodology guide shows exactly how USFS turned 99 counted buildings into the percentiles shown above for Coesse. The exposure-zones guide covers what Coesse's dominant minimal exposure actually means, with real examples from across the dataset.