Underwood, IN
Underwood wildfire risk explained
Out of every US place USFS scores, Underwood lands at the 22nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 421 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Underwood's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Underwood's building exposure, zone by zone
USFS classifies 92.6% of Underwood's buildings as Direct exposure, higher than its 7.4% Indirect share and far above its 0% Minimal share — a profile where 390 structures sit close enough to vegetation that lot clearing matters most.
How Underwood compares
Compare Underwood's two percentiles: 87th within Indiana, only 22nd nationally — a gap of 65 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Underwood ranks 24,452 for wildfire risk (1 is highest) and 18,801 by building count (1 is largest). Within Indiana alone, it ranks 123 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
At the 22nd national percentile, Underwood rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Underwood's 92.6% 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.
Where Underwood's figures come from
Every one of the two percentiles behind Underwood's 24,452-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Underwood's dominant direct exposure actually means, with real examples from across the dataset.