Stillwell, IN
Stillwell wildfire risk explained
USFS scores Stillwell at the 14th 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 Stillwell at the 14th percentile, close to its 14th-percentile risk score.
Stillwell's building exposure, zone by zone
Of Stillwell's 157 counted buildings, 66.9% carry Direct exposure and only 31.2% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Stillwell ranks
Within Indiana, Stillwell ranks higher (67th percentile) than it does nationally (14th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stillwell ranks 27,035 for wildfire risk (1 is highest) and 26,560 by building count (1 is largest). Within Indiana alone, it ranks 325 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
Stillwell's low wildfire rating (14th 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.
Lowering exposure, not just insuring around it
Stillwell's 66.9% 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
The methodology guide shows exactly how USFS turned 157 counted buildings into the percentiles shown above for Stillwell. For more on what direct exposure implies beyond Stillwell, see the exposure-zones guide.