Universal, IN
Universal, IN's wildfire risk, in USFS's own numbers
Universal sits at the 34th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 260 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Universal at the 35th percentile, close to its 34th-percentile risk score.
Universal's building exposure, zone by zone
USFS classifies 55.8% of Universal's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 44.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Universal compares
Compare Universal's two percentiles: 95th within Indiana, only 34th nationally — a gap of 60 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Universal ranks 20,699 for wildfire risk (1 is highest) and 22,821 by building count (1 is largest). Within Indiana alone, it ranks 56 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Universal and the insurance market
Universal's moderate rating (34th 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
With 55.8% of buildings rated Minimal exposure, Universal gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Universal's figures come from
Every one of the two percentiles behind Universal's 20,699-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Universal's dominant minimal exposure actually means, with real examples from across the dataset.