Kendallville, IN
How exposed is Kendallville to wildfire?
Kendallville's 4,384 buildings earn a 10th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kendallville at the 10th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Kendallville's building exposure, zone by zone
USFS classifies 81.9% of Kendallville's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7% Direct and 11.1% Indirect — a landscape-level risk rather than a building-by-building one.
How Kendallville compares
Within Indiana, Kendallville ranks higher (57th percentile) than it does nationally (10th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Kendallville ranks 28,296 for wildfire risk (1 is highest) and 3,890 by building count (1 is largest). Within Indiana alone, it ranks 418 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Kendallville and the insurance market
At the 10th national percentile, Kendallville rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 81.9% of Kendallville outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Kendallville's figures come from
Kendallville's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Kendallville's dominant minimal exposure actually means, with real examples from across the dataset.