Dugger, IN
How exposed is Dugger to wildfire?
USFS's Wildfire Risk to Communities model puts Dugger at the 24th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 690 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dugger at the 25th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Dugger's building exposure, zone by zone
Indirect exposure is dominant in Dugger (56.8% of 690 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 43.2% sit in the Direct zone.
Dugger against the rest of the country
Within Indiana, Dugger ranks higher (89th percentile) than it does nationally (24th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Dugger ranks 24,073 for wildfire risk (1 is highest) and 14,758 by building count (1 is largest). Within Indiana alone, it ranks 106 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
Dugger's moderate rating (24th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Dugger
With ember exposure the dominant pattern in Dugger (56.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Dugger's figures come from
The methodology guide shows exactly how USFS turned 690 counted buildings into the percentiles shown above for Dugger. The exposure-zones guide covers what Dugger's dominant indirect exposure actually means, with real examples from across the dataset.