Needmore, IN
Needmore, IN's wildfire risk, in USFS's own numbers
Needmore sits at the 20th 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 218 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Needmore at the 21st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
218 buildings are counted in Needmore, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Needmore against the rest of the country
Compare Needmore's two percentiles: 79th within Indiana, only 20th nationally — a gap of 60 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Needmore ranks 25,270 for wildfire risk (1 is highest) and 24,194 by building count (1 is largest). Within Indiana alone, it ranks 199 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
Needmore's low wildfire rating (20th 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.
Hardening a home in Needmore
Because Direct exposure dominates in Needmore (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Needmore's 25,270-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Needmore, see the exposure-zones guide.