Harlan, IN
Harlan, IN's wildfire risk, in USFS's own numbers
Harlan sits at the 8th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 999 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harlan at the 8th percentile, close to its 8th-percentile risk score.
Where Harlan's buildings actually sit
63.6% of Harlan's 999 buildings sit in USFS's Minimal exposure zone, with only 36.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Harlan compares
Compare Harlan's two percentiles: 48th within Indiana, only 8th nationally — a gap of 41 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Harlan ranks 29,081 for wildfire risk (1 is highest) and 11,943 by building count (1 is largest). Within Indiana alone, it ranks 501 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
Harlan's low rating (8th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Harlan's 63.6% 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
Harlan's 8th-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 Harlan, see the exposure-zones guide.