Larwill, IN
Larwill wildfire risk explained
Out of every US place USFS scores, Larwill lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 186 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Larwill at the 7th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Larwill's buildings actually sit
Most of Larwill's buildings (80.1% of 186) 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.
Larwill against the rest of the country
Within Indiana, Larwill ranks higher (47th percentile) than it does nationally (7th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Larwill ranks 29,211 for wildfire risk (1 is highest) and 25,385 by building count (1 is largest). Within Indiana alone, it ranks 512 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Larwill
Larwill's low rating (7th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 80.1% of buildings rated Minimal exposure, Larwill gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Larwill's figures come from
Larwill's 7th-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 Larwill's dominant minimal exposure actually means, with real examples from across the dataset.