Elwood, IN
Elwood, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Elwood at the 2nd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 5,639 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elwood at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Elwood's building exposure, zone by zone
Elwood rates 95.2% Minimal exposure against just 4.8% Direct and 0% Indirect — of 5,639 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 5,639 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Elwood ranks
Elwood scores 2nd nationally and 14th within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Elwood ranks 30,888 for wildfire risk (1 is highest) and 3,066 by building count (1 is largest). Within Indiana alone, it ranks 828 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 2nd national percentile, Elwood rates low 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 Elwood
With 95.2% of buildings rated Minimal exposure, Elwood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Elwood's figures come from
Every one of the two percentiles behind Elwood's 30,888-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Elwood's dominant minimal exposure actually means, with real examples from across the dataset.