Cowan, IN
Cowan, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Cowan at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 179 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cowan at the 3rd percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
Most of Cowan's buildings (71% of 179) 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.
Where Cowan ranks
Cowan's 21st-percentile standing inside Indiana outpaces its 3rd 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, Cowan ranks 30,569 for wildfire risk (1 is highest) and 25,666 by building count (1 is largest). Within Indiana alone, it ranks 759 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Cowan
At the 3rd national percentile, Cowan rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 71% of buildings rated Minimal exposure, Cowan 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
Every one of the two percentiles behind Cowan's 30,569-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cowan, see the exposure-zones guide.