Morgantown, IN
How exposed is Morgantown to wildfire?
USFS's Wildfire Risk to Communities model puts Morgantown at the 17th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 560 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Morgantown's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
Where Morgantown's buildings actually sit
USFS puts 80.5% of Morgantown's 560 buildings in the Indirect exposure zone, versus 19.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Morgantown compares
Morgantown's 73rd-percentile standing inside Indiana outpaces its 17th 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, Morgantown ranks 26,123 for wildfire risk (1 is highest) and 16,405 by building count (1 is largest). Within Indiana alone, it ranks 267 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Morgantown
At the 17th national percentile, Morgantown rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Morgantown (80.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Morgantown's 17th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Morgantown, see the exposure-zones guide.