Dunreith, IN
Dunreith, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Dunreith at the 2nd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 154 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Dunreith's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Where Dunreith's buildings actually sit
Only 7.8% of Dunreith's 154 buildings carry Direct exposure and 0% carry Indirect; the remaining 92.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Dunreith against the rest of the country
There's little gap between Dunreith's 2nd national percentile and its 17th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Dunreith ranks 30,792 for wildfire risk (1 is highest) and 26,697 by building count (1 is largest). Within Indiana alone, it ranks 805 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Dunreith and the insurance market
Dunreith's low wildfire rating (2nd 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.
Lowering exposure, not just insuring around it
Even with 92.2% of Dunreith outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Dunreith's 2nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Dunreith, see the exposure-zones guide.