Owensville, IN
How exposed is Owensville to wildfire?
Owensville's 772 buildings earn a 10th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Owensville at the 10th percentile, close to its 10th-percentile risk score.
Where Owensville's buildings actually sit
Most of Owensville's buildings (73.6% of 772) 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.
How Owensville compares
Owensville's 56th-percentile standing inside Indiana outpaces its 10th 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, Owensville ranks 28,359 for wildfire risk (1 is highest) and 13,901 by building count (1 is largest). Within Indiana alone, it ranks 429 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
At the 10th national percentile, Owensville rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 73.6% of buildings rated Minimal exposure, Owensville gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Owensville's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Owensville, see the exposure-zones guide.