Hartsville, IN
Hartsville, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hartsville at the 20th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 235 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hartsville at the 20th percentile, close to its 20th-percentile risk score.
Hartsville's building exposure, zone by zone
71.9% of Hartsville's 235 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 28.1% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Hartsville compares
Hartsville's 78th-percentile standing inside Indiana outpaces its 20th 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, Hartsville ranks 25,363 for wildfire risk (1 is highest) and 23,625 by building count (1 is largest). Within Indiana alone, it ranks 209 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Hartsville and the insurance market
Hartsville's low wildfire rating (20th 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
With ember exposure the dominant pattern in Hartsville (71.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 235 counted buildings into the percentiles shown above for Hartsville. For more on what indirect exposure implies beyond Hartsville, see the exposure-zones guide.