Howe, IN
Howe, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Howe at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 486 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Howe at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 75.7% of Howe's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 24.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Howe against the rest of the country
Howe's 33rd-percentile standing inside Indiana outpaces its 5th 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, Howe ranks 30,067 for wildfire risk (1 is highest) and 17,599 by building count (1 is largest). Within Indiana alone, it ranks 644 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Howe
Howe's low rating (5th 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
With 75.7% of buildings rated Minimal exposure, Howe gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Howe's 5th-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 Howe, see the exposure-zones guide.