Point Isabel, IN
Point Isabel wildfire risk explained
USFS scores Point Isabel at the 0th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 73 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Point Isabel's burn probability — fire likelihood with no building count factored in — sits at the 0th percentile nationally.
Point Isabel's building exposure, zone by zone
Point Isabel rates 82.2% Minimal exposure against just 17.8% Direct and 0% Indirect — of 73 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Point Isabel against the rest of the country
There's little gap between Point Isabel's 0th national percentile and its 1st percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Point Isabel ranks 31,462 for wildfire risk (1 is highest) and 30,166 by building count (1 is largest). Within Indiana alone, it ranks 956 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Point Isabel and the insurance market
Point Isabel's low rating (0th 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 Point Isabel
Even with 82.2% of Point Isabel outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Point Isabel's 31,462-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Point Isabel, see the exposure-zones guide.