Maxwell, IN
How exposed is Maxwell to wildfire?
USFS scores Maxwell at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 309 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Maxwell at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Maxwell's buildings actually sit
Most of Maxwell's buildings (73.1% of 309) 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 Maxwell compares
Maxwell's 35th-percentile standing inside Indiana outpaces its 5th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Maxwell ranks 30,004 for wildfire risk (1 is highest) and 21,391 by building count (1 is largest). Within Indiana alone, it ranks 634 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 5th national percentile, Maxwell 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 73.1% of Maxwell 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
Every one of the two percentiles behind Maxwell's 30,004-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Maxwell, see the exposure-zones guide.