Hortonville, IN
Hortonville wildfire risk explained
Hortonville sits at the 6th 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 126 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hortonville's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Hortonville: 71.4% of its 126 buildings, versus 0% Indirect and 28.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Hortonville against the rest of the country
Within Indiana, Hortonville ranks higher (41st percentile) than it does nationally (6th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hortonville ranks 29,624 for wildfire risk (1 is highest) and 27,887 by building count (1 is largest). Within Indiana alone, it ranks 569 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Hortonville and the insurance market
Hortonville's low rating (6th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Hortonville's 71.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Hortonville's figures come from
Every one of the two percentiles behind Hortonville's 29,624-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hortonville's dominant direct exposure actually means, with real examples from across the dataset.