Spencerville, IN
Spencerville, IN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Spencerville lands at the 10th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 273 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spencerville's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Spencerville's building exposure, zone by zone
273 buildings are counted in Spencerville, and 57.5% of them are Indirect exposure — ember-driven risk rather than the 42.5% in Direct exposure or the 0% rated Minimal.
Spencerville against the rest of the country
Compare Spencerville's two percentiles: 56th within Indiana, only 10th nationally — a gap of 46 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Spencerville ranks 28,331 for wildfire risk (1 is highest) and 22,416 by building count (1 is largest). Within Indiana alone, it ranks 424 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Spencerville
Spencerville's low rating (10th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Spencerville's 57.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Spencerville's figures come from
Every one of the two percentiles behind Spencerville's 28,331-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Spencerville's dominant indirect exposure actually means, with real examples from across the dataset.