Reynolds, IN
Reynolds wildfire risk explained
Reynolds's 430 buildings earn a 2nd-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 Reynolds at the 2nd percentile, close to its 2nd-percentile risk score.
Reynolds's building exposure, zone by zone
USFS classifies 90% of Reynolds's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Reynolds against the rest of the country
Reynolds's risk sits at a similar level relative to Indiana (13th percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Reynolds ranks 30,915 for wildfire risk (1 is highest) and 18,642 by building count (1 is largest). Within Indiana alone, it ranks 839 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
Reynolds's low wildfire rating (2nd 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
Even with 90% of Reynolds 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 Reynolds's 30,915-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Reynolds, see the exposure-zones guide.