Terre Haute, IN
How exposed is Terre Haute to wildfire?
Terre Haute's 28,596 buildings earn a 16th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Terre Haute at the 17th percentile, close to its 16th-percentile risk score.
What "at risk" means for the buildings here
Terre Haute rates 71.9% Minimal exposure against just 19.3% Direct and 8.8% Indirect — of 28,596 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 28,596 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Terre Haute ranks
Terre Haute's 70th-percentile standing inside Indiana outpaces its 16th 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, Terre Haute ranks 26,560 for wildfire risk (1 is highest) and 415 by building count (1 is largest). Within Indiana alone, it ranks 295 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Terre Haute and the insurance market
Terre Haute's low wildfire rating (16th 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
With 71.9% of buildings rated Minimal exposure, Terre Haute gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Terre Haute's figures come from
Every one of the two percentiles behind Terre Haute's 26,560-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Terre Haute's dominant minimal exposure actually means, with real examples from across the dataset.