Haubstadt, IN
How exposed is Haubstadt to wildfire?
USFS's Wildfire Risk to Communities model puts Haubstadt at the 2nd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 969 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Haubstadt at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Haubstadt's buildings actually sit
86.5% of Haubstadt's 969 buildings sit in USFS's Minimal exposure zone, with only 13.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Haubstadt ranks
There's little gap between Haubstadt's 2nd national percentile and its 15th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Haubstadt ranks 30,889 for wildfire risk (1 is highest) and 12,159 by building count (1 is largest). Within Indiana alone, it ranks 829 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
Haubstadt's low wildfire rating (2nd 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.
Hardening a home in Haubstadt
Haubstadt's 86.5% 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
The methodology guide shows exactly how USFS turned 969 counted buildings into the percentiles shown above for Haubstadt. For more on what minimal exposure implies beyond Haubstadt, see the exposure-zones guide.