Warren, IN
Warren, IN's wildfire risk, in USFS's own numbers
Warren sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 815 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 Warren at the 3rd percentile, close to its 3rd-percentile risk score.
Where Warren's buildings actually sit
Most of Warren's buildings (83.4% of 815) 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.
How Warren compares
Within Indiana, Warren ranks higher (21st percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Warren ranks 30,609 for wildfire risk (1 is highest) and 13,502 by building count (1 is largest). Within Indiana alone, it ranks 771 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
Warren's low wildfire rating (3rd 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
Warren's 83.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 815 counted buildings into the percentiles shown above for Warren. For more on what minimal exposure implies beyond Warren, see the exposure-zones guide.