Indiana, PA
How exposed is Indiana to wildfire?
USFS's Wildfire Risk to Communities model puts Indiana at the 32nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,649 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Indiana's burn probability — fire likelihood with no building count factored in — sits at the 33rd percentile nationally.
What "at risk" means for the buildings here
USFS puts 97.2% of Indiana's 3,649 buildings in the Indirect exposure zone, versus 2.5% Direct and 0.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Indiana compares
There's little gap between Indiana's 32nd national percentile and its 43rd percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Indiana ranks 21,442 for wildfire risk (1 is highest) and 4,588 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,143 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Indiana and the insurance market
Indiana's moderate wildfire rating (32nd 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 Indiana (97.2% 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
Every one of the two percentiles behind Indiana's 21,442-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Indiana, see the exposure-zones guide.