Duneland Beach, IN
How exposed is Duneland Beach to wildfire?
Duneland Beach sits at the 36th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 211 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Duneland Beach's burn probability — fire likelihood with no building count factored in — sits at the 37th percentile nationally.
Where Duneland Beach's buildings actually sit
USFS puts 46.9% of Duneland Beach's 211 buildings in the Indirect exposure zone, versus 37% Direct and 16.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Duneland Beach against the rest of the country
Duneland Beach's 95th-percentile standing inside Indiana outpaces its 36th 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, Duneland Beach ranks 20,320 for wildfire risk (1 is highest) and 24,433 by building count (1 is largest). Within Indiana alone, it ranks 49 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 36th national percentile, Duneland Beach rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Duneland Beach
Duneland Beach's 46.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Duneland Beach's figures come from
The methodology guide shows exactly how USFS turned 211 counted buildings into the percentiles shown above for Duneland Beach. The exposure-zones guide covers what Duneland Beach's dominant indirect exposure actually means, with real examples from across the dataset.