Kennard, IN
Kennard wildfire risk explained
USFS scores Kennard at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 277 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kennard at the 1st percentile, close to its 1st-percentile risk score.
Kennard's building exposure, zone by zone
Kennard rates 79.1% Minimal exposure against just 20.9% Direct and 0% Indirect — of 277 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Kennard against the rest of the country
Kennard scores 1st nationally and 6th within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Kennard ranks 31,264 for wildfire risk (1 is highest) and 22,290 by building count (1 is largest). Within Indiana alone, it ranks 910 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
At the 1st national percentile, Kennard 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 79.1% of Kennard 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 277 counted buildings into the percentiles shown above for Kennard. For more on what minimal exposure implies beyond Kennard, see the exposure-zones guide.