Dune Acres, IN
Dune Acres, IN's wildfire risk, in USFS's own numbers
Dune Acres sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 170 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dune Acres at the 52nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Dune Acres's buildings actually sit
USFS classifies 88.8% of Dune Acres's buildings as Direct exposure, higher than its 3.5% Indirect share and far above its 7.7% Minimal share — a profile where 151 structures sit close enough to vegetation that lot clearing matters most.
Where Dune Acres ranks
Dune Acres's 97th-percentile standing inside Indiana outpaces its 50th 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, Dune Acres ranks 15,657 for wildfire risk (1 is highest) and 26,017 by building count (1 is largest). Within Indiana alone, it ranks 28 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 50th national percentile, Dune Acres rates elevated 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
With 88.8% of Dune Acres in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Dune Acres's figures come from
Dune Acres's 50th-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 Dune Acres's dominant direct exposure actually means, with real examples from across the dataset.