Cutler, IN
Cutler wildfire risk explained
Out of every US place USFS scores, Cutler lands at the 4th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 125 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cutler at the 4th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Cutler's buildings actually sit
Of Cutler's 125 counted buildings, 74.4% carry Direct exposure and only 25.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Cutler ranks
Compare Cutler's two percentiles: 32nd within Indiana, only 4th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Cutler ranks 30,127 for wildfire risk (1 is highest) and 27,933 by building count (1 is largest). Within Indiana alone, it ranks 656 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Cutler
At the 4th national percentile, Cutler 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
Because Direct exposure dominates in Cutler (74.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Cutler's 30,127-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Cutler, see the exposure-zones guide.