Vera Cruz, IN
How exposed is Vera Cruz to wildfire?
USFS's Wildfire Risk to Communities model puts Vera Cruz at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 52 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 Vera Cruz at the 3rd percentile, close to its 3rd-percentile risk score.
Where Vera Cruz's buildings actually sit
Vera Cruz rates 94.2% Minimal exposure against just 5.8% Direct and 0% Indirect — of 52 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Vera Cruz compares
Vera Cruz's 24th-percentile standing inside Indiana outpaces its 3rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Vera Cruz ranks 30,483 for wildfire risk (1 is highest) and 30,871 by building count (1 is largest). Within Indiana alone, it ranks 741 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Vera Cruz and the insurance market
Vera Cruz's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Vera Cruz
With 94.2% of buildings rated Minimal exposure, Vera Cruz gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Vera Cruz's 3rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Vera Cruz, see the exposure-zones guide.