Ogden Dunes, IN
Ogden Dunes wildfire risk explained
Ogden Dunes sits at the 49th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 647 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 Ogden Dunes at the 51st percentile, close to its 49th-percentile risk score.
What "at risk" means for the buildings here
Only 14.1% of Ogden Dunes's 647 buildings carry Direct exposure and 0% carry Indirect; the remaining 85.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Ogden Dunes ranks
Compare Ogden Dunes's two percentiles: 97th within Indiana, only 49th nationally — a gap of 48 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ogden Dunes ranks 16,127 for wildfire risk (1 is highest) and 15,230 by building count (1 is largest). Within Indiana alone, it ranks 30 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Ogden Dunes
Ogden Dunes's elevated rating (49th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Ogden Dunes's 85.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 647 counted buildings into the percentiles shown above for Ogden Dunes. For more on what minimal exposure implies beyond Ogden Dunes, see the exposure-zones guide.