Middletown, IN
Middletown wildfire risk explained
USFS scores Middletown at the 8th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,318 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Middletown at the 7th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 88.3% of Middletown's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Middletown against the rest of the country
Middletown's 48th-percentile standing inside Indiana outpaces its 8th 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, Middletown ranks 29,146 for wildfire risk (1 is highest) and 9,978 by building count (1 is largest). Within Indiana alone, it ranks 506 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Middletown
Middletown's low rating (8th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 88.3% of Middletown 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 Middletown's figures come from
Middletown's 8th-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 Middletown's dominant minimal exposure actually means, with real examples from across the dataset.