Richland, IN
Richland, IN's wildfire risk, in USFS's own numbers
USFS scores Richland at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 328 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Richland at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Richland's buildings actually sit
Direct exposure dominates in Richland: 57.9% of its 328 buildings, versus 0% Indirect and 42.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Richland ranks
Richland scores 2nd nationally and 16th 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, Richland ranks 30,856 for wildfire risk (1 is highest) and 20,871 by building count (1 is largest). Within Indiana alone, it ranks 823 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
At the 2nd national percentile, Richland rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 57.9% of Richland 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 Richland's figures come from
Every one of the two percentiles behind Richland's 30,856-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Richland's dominant direct exposure actually means, with real examples from across the dataset.