Greenwood, IN
Greenwood, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Greenwood at the 8th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 21,032 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Greenwood at the 9th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Greenwood's buildings (92.8% of 21,032) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 21,032 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Greenwood against the rest of the country
Compare Greenwood's two percentiles: 48th within Indiana, only 8th nationally — a gap of 40 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Greenwood ranks 29,080 for wildfire risk (1 is highest) and 663 by building count (1 is largest). Within Indiana alone, it ranks 500 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Greenwood and the insurance market
Greenwood's low wildfire rating (8th 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
Even with 92.8% of Greenwood 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.
Where Greenwood's figures come from
Greenwood's 8th-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 Greenwood's dominant minimal exposure actually means, with real examples from across the dataset.