Roann, IN
How exposed is Roann to wildfire?
USFS's Wildfire Risk to Communities model puts Roann at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 294 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Roann at the 2nd percentile, close to its 3rd-percentile risk score.
Where Roann's buildings actually sit
Most of Roann's buildings (81.3% of 294) 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 Roann ranks
Roann's 18th-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, Roann ranks 30,731 for wildfire risk (1 is highest) and 21,785 by building count (1 is largest). Within Indiana alone, it ranks 794 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
Roann's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Roann's 81.3% 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.
Where Roann's figures come from
The methodology guide shows exactly how USFS turned 294 counted buildings into the percentiles shown above for Roann. The exposure-zones guide covers what Roann's dominant minimal exposure actually means, with real examples from across the dataset.