Poneto, IN
Poneto wildfire risk explained
USFS's Wildfire Risk to Communities model puts Poneto at the 1st national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 144 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Poneto at the 0th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Poneto rates 88.2% Minimal exposure against just 11.8% Direct and 0% Indirect — of 144 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Poneto ranks
Poneto scores 1st nationally and 3rd within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Poneto ranks 31,361 for wildfire risk (1 is highest) and 27,117 by building count (1 is largest). Within Indiana alone, it ranks 937 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Poneto
Poneto's low rating (1st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 88.2% of Poneto 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 Poneto's 31,361-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Poneto, see the exposure-zones guide.