Dayton, IN
How exposed is Dayton to wildfire?
Dayton's 688 buildings earn a 7th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Dayton at the 7th percentile, close to its 7th-percentile risk score.
Where Dayton's buildings actually sit
Most of Dayton's buildings (88.4% of 688) 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.
Dayton against the rest of the country
Compare Dayton's two percentiles: 45th within Indiana, only 7th nationally — a gap of 38 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Dayton ranks 29,372 for wildfire risk (1 is highest) and 14,776 by building count (1 is largest). Within Indiana alone, it ranks 531 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
At the 7th national percentile, Dayton 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
Dayton's 88.4% 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.
Where Dayton's figures come from
Dayton's 7th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Dayton's dominant minimal exposure actually means, with real examples from across the dataset.