Peppertown, IN
Peppertown, IN's wildfire risk, in USFS's own numbers
Peppertown sits at the 22nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 70 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Peppertown at the 23rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Peppertown's building exposure, zone by zone
Direct exposure dominates in Peppertown: 95.7% of its 70 buildings, versus 4.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Peppertown against the rest of the country
Compare Peppertown's two percentiles: 85th within Indiana, only 22nd nationally — a gap of 63 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Peppertown ranks 24,704 for wildfire risk (1 is highest) and 30,276 by building count (1 is largest). Within Indiana alone, it ranks 152 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Peppertown and the insurance market
Peppertown's moderate wildfire rating (22nd 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.
Lowering exposure, not just insuring around it
With 95.7% of Peppertown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Peppertown's figures come from
The methodology guide shows exactly how USFS turned 70 counted buildings into the percentiles shown above for Peppertown. The exposure-zones guide covers what Peppertown's dominant direct exposure actually means, with real examples from across the dataset.