Oaktown, IN
Oaktown, IN's wildfire risk, in USFS's own numbers
USFS scores Oaktown at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 384 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oaktown at the 2nd percentile, close to its 2nd-percentile risk score.
What "at risk" means for the buildings here
Oaktown rates 72.7% Minimal exposure against just 27.3% Direct and 0% Indirect — of 384 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Oaktown ranks
Oaktown's risk sits at a similar level relative to Indiana (15th percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oaktown ranks 30,855 for wildfire risk (1 is highest) and 19,541 by building count (1 is largest). Within Indiana alone, it ranks 822 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Oaktown and the insurance market
Oaktown'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.
Hardening a home in Oaktown
With 72.7% of buildings rated Minimal exposure, Oaktown gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Oaktown's figures come from
The methodology guide shows exactly how USFS turned 384 counted buildings into the percentiles shown above for Oaktown. The exposure-zones guide covers what Oaktown's dominant minimal exposure actually means, with real examples from across the dataset.