La Paz, IN
La Paz wildfire risk explained
La Paz's 324 buildings earn a 5th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts La Paz at the 5th percentile, close to its 5th-percentile risk score.
What "at risk" means for the buildings here
Most of La Paz's buildings (88.6% of 324) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How La Paz compares
Compare La Paz's two percentiles: 36th within Indiana, only 5th nationally — a gap of 31 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, La Paz ranks 29,904 for wildfire risk (1 is highest) and 20,981 by building count (1 is largest). Within Indiana alone, it ranks 617 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
La Paz'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.
Hardening a home in La Paz
Even with 88.6% of La Paz 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 La Paz's figures come from
La Paz's 5th-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 La Paz's dominant minimal exposure actually means, with real examples from across the dataset.