Covington, IN
Covington wildfire risk explained
USFS scores Covington at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,663 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Covington at the 11th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Covington's building exposure, zone by zone
Most of Covington's buildings (85.2% of 1,663) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Covington compares
Compare Covington's two percentiles: 58th within Indiana, only 11th nationally — a gap of 48 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Covington ranks 28,106 for wildfire risk (1 is highest) and 8,546 by building count (1 is largest). Within Indiana alone, it ranks 402 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Covington and the insurance market
Covington's low rating (11th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Covington's 85.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Covington's 28,106-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Covington, see the exposure-zones guide.