Pennville, IN
Pennville, IN's wildfire risk, in USFS's own numbers
USFS scores Pennville at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 457 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pennville at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Pennville's buildings (86% of 457) 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.
Pennville against the rest of the country
Pennville's risk sits at a similar level relative to Indiana (12th 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, Pennville ranks 30,983 for wildfire risk (1 is highest) and 18,123 by building count (1 is largest). Within Indiana alone, it ranks 851 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Pennville and the insurance market
Pennville's low rating (2nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Pennville
With 86% of buildings rated Minimal exposure, Pennville gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Pennville's figures come from
Pennville's 2nd-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 Pennville's dominant minimal exposure actually means, with real examples from across the dataset.