Rensselaer, IN
How exposed is Rensselaer to wildfire?
Rensselaer's 3,307 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Rensselaer at the 3rd percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
Rensselaer rates 87.7% Minimal exposure against just 12.3% Direct and 0% Indirect — of 3,307 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Rensselaer ranks
Rensselaer's 20th-percentile standing inside Indiana outpaces its 3rd 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, Rensselaer ranks 30,634 for wildfire risk (1 is highest) and 5,035 by building count (1 is largest). Within Indiana alone, it ranks 775 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
Rensselaer's low wildfire rating (3rd 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
Rensselaer's 87.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Rensselaer's 30,634-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Rensselaer, see the exposure-zones guide.