Culver, IN
How exposed is Culver to wildfire?
Out of every US place USFS scores, Culver lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,085 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Culver at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Culver's building exposure, zone by zone
Only 8% of Culver's 1,085 buildings carry Direct exposure and 1.1% carry Indirect; the remaining 90.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Culver compares
Culver's 42nd-percentile standing inside Indiana outpaces its 6th 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, Culver ranks 29,589 for wildfire risk (1 is highest) and 11,373 by building count (1 is largest). Within Indiana alone, it ranks 560 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
Culver's low wildfire rating (6th 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 90.9% of buildings rated Minimal exposure, Culver gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Culver's figures come from
Every one of the two percentiles behind Culver's 29,589-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Culver's dominant minimal exposure actually means, with real examples from across the dataset.