Groverton, IN
Groverton, IN's wildfire risk, in USFS's own numbers
USFS scores Groverton at the 18th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 134 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Groverton at the 18th percentile, close to its 18th-percentile risk score.
What "at risk" means for the buildings here
81.3% of Groverton's 134 buildings sit in USFS's Direct exposure zone, roughly 109 structures close enough to burnable vegetation for flame contact, not just embers — 17.9% fall in the Indirect, ember-only zone and 0.8% are Minimal.
How Groverton compares
Within Indiana, Groverton ranks higher (75th percentile) than it does nationally (18th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Groverton ranks 25,806 for wildfire risk (1 is highest) and 27,534 by building count (1 is largest). Within Indiana alone, it ranks 241 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Groverton and the insurance market
Groverton's low wildfire rating (18th 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
Groverton's 81.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 134 counted buildings into the percentiles shown above for Groverton. For more on what direct exposure implies beyond Groverton, see the exposure-zones guide.