Keystone, IN
Keystone wildfire risk explained
USFS scores Keystone at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 96 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Keystone's burn probability — fire likelihood with no building count factored in — sits at the 1st percentile nationally.
Where Keystone's buildings actually sit
USFS classifies 59.4% of Keystone's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 40.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Keystone against the rest of the country
There's little gap between Keystone's 1st national percentile and its 8th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Keystone ranks 31,167 for wildfire risk (1 is highest) and 29,226 by building count (1 is largest). Within Indiana alone, it ranks 886 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, Keystone rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Keystone's 59.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 96 counted buildings into the percentiles shown above for Keystone. For more on what minimal exposure implies beyond Keystone, see the exposure-zones guide.