Ridgeville, IN
How exposed is Ridgeville to wildfire?
Out of every US place USFS scores, Ridgeville lands at the 2nd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 535 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ridgeville at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Ridgeville's buildings actually sit
Most of Ridgeville's buildings (84.5% of 535) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Ridgeville ranks
Ridgeville's risk sits at a similar level relative to Indiana (16th 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, Ridgeville ranks 30,826 for wildfire risk (1 is highest) and 16,796 by building count (1 is largest). Within Indiana alone, it ranks 815 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
Ridgeville'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.
Hardening a home in Ridgeville
With 84.5% of buildings rated Minimal exposure, Ridgeville gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Ridgeville's figures come from
Ridgeville's 2nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ridgeville's dominant minimal exposure actually means, with real examples from across the dataset.