New Castle, IN
New Castle, IN's wildfire risk, in USFS's own numbers
USFS scores New Castle at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 10,085 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, New Castle's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
New Castle's building exposure, zone by zone
Most of New Castle's buildings (95.4% of 10,085) 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. At 10,085 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
New Castle against the rest of the country
New Castle's 54th-percentile standing inside Indiana outpaces its 9th 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, New Castle ranks 28,676 for wildfire risk (1 is highest) and 1,589 by building count (1 is largest). Within Indiana alone, it ranks 451 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
New Castle's low wildfire rating (9th 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.
What would actually reduce this score
With 95.4% of buildings rated Minimal exposure, New Castle gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where New Castle's figures come from
Every one of the two percentiles behind New Castle's 28,676-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what New Castle's dominant minimal exposure actually means, with real examples from across the dataset.