Hanover, IN
Hanover, IN's wildfire risk, in USFS's own numbers
USFS scores Hanover at the 17th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,260 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hanover's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
Where Hanover's buildings actually sit
USFS puts 65.7% of Hanover's 1,260 buildings in the Indirect exposure zone, versus 34.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Hanover against the rest of the country
Hanover's 71st-percentile standing inside Indiana outpaces its 17th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Hanover ranks 26,306 for wildfire risk (1 is highest) and 10,298 by building count (1 is largest). Within Indiana alone, it ranks 280 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
Hanover's low wildfire rating (17th 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
Because 65.7% of Hanover's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Hanover's 26,306-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Hanover, see the exposure-zones guide.