Thorntown, IN
Thorntown wildfire risk explained
Thorntown sits at the 5th 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 914 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Thorntown's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
Thorntown's building exposure, zone by zone
89.4% of Thorntown's 914 buildings sit in USFS's Minimal exposure zone, with only 10.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Thorntown compares
Within Indiana, Thorntown ranks higher (33rd 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, Thorntown ranks 30,103 for wildfire risk (1 is highest) and 12,602 by building count (1 is largest). Within Indiana alone, it ranks 655 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Thorntown and the insurance market
Thorntown's low wildfire rating (5th 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
Thorntown's 89.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Thorntown's figures come from
The methodology guide shows exactly how USFS turned 914 counted buildings into the percentiles shown above for Thorntown. The exposure-zones guide covers what Thorntown's dominant minimal exposure actually means, with real examples from across the dataset.