Lowell, IN
How exposed is Lowell to wildfire?
USFS scores Lowell at the 32nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 4,403 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lowell at the 32nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lowell's building exposure, zone by zone
Lowell rates 91.7% Minimal exposure against just 8.3% Direct and 0% Indirect — of 4,403 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Lowell ranks
Within Indiana, Lowell ranks higher (94th percentile) than it does nationally (32nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lowell ranks 21,580 for wildfire risk (1 is highest) and 3,880 by building count (1 is largest). Within Indiana alone, it ranks 62 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Lowell and the insurance market
Lowell's moderate rating (32nd 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 Lowell
Even with 91.7% of Lowell 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 Lowell's figures come from
Lowell's 32nd-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 Lowell's dominant minimal exposure actually means, with real examples from across the dataset.