Denver, IN
Denver wildfire risk explained
Denver's 339 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Denver at the 3rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Denver's buildings (76.4% of 339) 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.
Denver against the rest of the country
Compare Denver's two percentiles: 23rd within Indiana, only 3rd nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Denver ranks 30,510 for wildfire risk (1 is highest) and 20,589 by building count (1 is largest). Within Indiana alone, it ranks 745 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
Denver's low wildfire rating (3rd 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.
What would actually reduce this score
With 76.4% of buildings rated Minimal exposure, Denver gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Denver's figures come from
The methodology guide shows exactly how USFS turned 339 counted buildings into the percentiles shown above for Denver. The exposure-zones guide covers what Denver's dominant minimal exposure actually means, with real examples from across the dataset.