Nappanee, IN
How exposed is Nappanee to wildfire?
Nappanee sits at the 2nd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 3,023 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Nappanee at the 3rd percentile, close to its 2nd-percentile risk score.
Where Nappanee's buildings actually sit
Most of Nappanee's buildings (91.3% of 3,023) 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 Nappanee compares
There's little gap between Nappanee's 2nd national percentile and its 16th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Nappanee ranks 30,793 for wildfire risk (1 is highest) and 5,392 by building count (1 is largest). Within Indiana alone, it ranks 806 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Nappanee
Nappanee's low wildfire rating (2nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 91.3% of Nappanee 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
The methodology guide shows exactly how USFS turned 3,023 counted buildings into the percentiles shown above for Nappanee. For more on what minimal exposure implies beyond Nappanee, see the exposure-zones guide.