Waveland, IN
Waveland wildfire risk explained
USFS's Wildfire Risk to Communities model puts Waveland at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 305 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Waveland's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Waveland's building exposure, zone by zone
USFS puts 66.9% of Waveland's 305 buildings in the Indirect exposure zone, versus 33.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Waveland against the rest of the country
Waveland's 56th-percentile standing inside Indiana outpaces its 10th 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, Waveland ranks 28,360 for wildfire risk (1 is highest) and 21,494 by building count (1 is largest). Within Indiana alone, it ranks 430 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Waveland and the insurance market
Waveland's low wildfire rating (10th 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.
Hardening a home in Waveland
Because 66.9% of Waveland's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Waveland's figures come from
Waveland's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Waveland's dominant indirect exposure actually means, with real examples from across the dataset.