Dyer, IN
How exposed is Dyer to wildfire?
USFS's Wildfire Risk to Communities model puts Dyer at the 54th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 7,019 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Dyer at the 57th percentile, close to its 54th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 96.9% of Dyer's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 7,019 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Dyer ranks
Compare Dyer's two percentiles: 99th within Indiana, only 54th nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Dyer ranks 14,556 for wildfire risk (1 is highest) and 2,450 by building count (1 is largest). Within Indiana alone, it ranks 14 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
Dyer's elevated wildfire rating (54th 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
Dyer's 96.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Dyer's 54th-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 Dyer, see the exposure-zones guide.