Prospect, IN
Prospect, IN's wildfire risk, in USFS's own numbers
Prospect's 122 buildings earn a 20th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Prospect at the 21st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Prospect's buildings actually sit
85.3% of Prospect's 122 buildings sit in USFS's Direct exposure zone, roughly 104 structures close enough to burnable vegetation for flame contact, not just embers — 14.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Prospect against the rest of the country
Prospect's 80th-percentile standing inside Indiana outpaces its 20th 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, Prospect ranks 25,175 for wildfire risk (1 is highest) and 28,056 by building count (1 is largest). Within Indiana alone, it ranks 189 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Prospect and the insurance market
Prospect's moderate rating (20th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 85.3% of Prospect 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 Prospect's figures come from
Every one of the two percentiles behind Prospect's 25,175-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Prospect's dominant direct exposure actually means, with real examples from across the dataset.