Urbana, IN
Urbana, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Urbana at the 0th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 179 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Urbana at the 0th percentile, close to its 0th-percentile risk score.
Where Urbana's buildings actually sit
Most of Urbana's buildings (81% of 179) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Urbana against the rest of the country
There's little gap between Urbana's 0th national percentile and its 3rd percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Urbana ranks 31,399 for wildfire risk (1 is highest) and 25,669 by building count (1 is largest). Within Indiana alone, it ranks 945 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Urbana
At the 0th national percentile, Urbana rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 81% of Urbana outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Urbana's figures come from
The methodology guide shows exactly how USFS turned 179 counted buildings into the percentiles shown above for Urbana. The exposure-zones guide covers what Urbana's dominant minimal exposure actually means, with real examples from across the dataset.