Hatfield, IN
Hatfield wildfire risk explained
Out of every US place USFS scores, Hatfield lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 519 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hatfield's burn probability — fire likelihood with no building count factored in — sits at the 7th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 71.9% of Hatfield's buildings as Direct exposure, higher than its 0% Indirect share and far above its 28.1% Minimal share — a profile where 373 structures sit close enough to vegetation that lot clearing matters most.
Where Hatfield ranks
Compare Hatfield's two percentiles: 44th within Indiana, only 7th nationally — a gap of 38 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hatfield ranks 29,429 for wildfire risk (1 is highest) and 17,037 by building count (1 is largest). Within Indiana alone, it ranks 537 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
Hatfield's low wildfire rating (7th 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 Direct exposure dominates in Hatfield (71.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hatfield's figures come from
Every one of the two percentiles behind Hatfield's 29,429-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hatfield's dominant direct exposure actually means, with real examples from across the dataset.