Town of Pines, IN
How exposed is Town of Pines to wildfire?
Town of Pines sits at the 46th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 443 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Town of Pines's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
Town of Pines's building exposure, zone by zone
Only 39.5% of Town of Pines's 443 buildings carry Direct exposure and 0.2% carry Indirect; the remaining 60.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Town of Pines compares
Within Indiana, Town of Pines ranks higher (97th percentile) than it does nationally (46th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Town of Pines ranks 16,885 for wildfire risk (1 is highest) and 18,395 by building count (1 is largest). Within Indiana alone, it ranks 35 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Town of Pines and the insurance market
Town of Pines's elevated wildfire rating (46th 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 60.3% of buildings rated Minimal exposure, Town of Pines gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Town of Pines's figures come from
Every one of the two percentiles behind Town of Pines's 16,885-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Town of Pines's dominant minimal exposure actually means, with real examples from across the dataset.