Swayzee, IN
Swayzee wildfire risk explained
Swayzee sits at the 0th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 596 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Swayzee's burn probability — fire likelihood with no building count factored in — sits at the 0th percentile nationally.
Swayzee's building exposure, zone by zone
Swayzee rates 94% Minimal exposure against just 6% Direct and 0% Indirect — of 596 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Swayzee ranks
There's little gap between Swayzee's 0th national percentile and its 2nd percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Swayzee ranks 31,433 for wildfire risk (1 is highest) and 15,891 by building count (1 is largest). Within Indiana alone, it ranks 950 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Swayzee and the insurance market
Swayzee's low rating (0th 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
Even with 94% of Swayzee outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 596 counted buildings into the percentiles shown above for Swayzee. For more on what minimal exposure implies beyond Swayzee, see the exposure-zones guide.