Stewartsville, IN
Stewartsville wildfire risk explained
USFS scores Stewartsville at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 157 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stewartsville at the 5th percentile, close to its 5th-percentile risk score.
Where Stewartsville's buildings actually sit
Of Stewartsville's 157 counted buildings, 54.8% carry Direct exposure and only 45.2% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Stewartsville ranks
Within Indiana, Stewartsville ranks higher (36th percentile) than it does nationally (5th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stewartsville ranks 29,945 for wildfire risk (1 is highest) and 26,559 by building count (1 is largest). Within Indiana alone, it ranks 623 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 5th national percentile, Stewartsville 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
Stewartsville's 54.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Stewartsville's 5th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Stewartsville, see the exposure-zones guide.