Owensburg, IN
Owensburg wildfire risk explained
USFS scores Owensburg at the 20th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 256 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Owensburg's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Owensburg's building exposure, zone by zone
Of Owensburg's 256 counted buildings, 92.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Owensburg compares
Owensburg's 80th-percentile standing inside Indiana outpaces its 20th 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, Owensburg ranks 25,236 for wildfire risk (1 is highest) and 22,937 by building count (1 is largest). Within Indiana alone, it ranks 197 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Owensburg and the insurance market
Owensburg'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.
What would actually reduce this score
Because Direct exposure dominates in Owensburg (92.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Owensburg's figures come from
Owensburg's 20th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Owensburg's dominant direct exposure actually means, with real examples from across the dataset.