Waverly, IN
How exposed is Waverly to wildfire?
Waverly sits at the 20th 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 475 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Waverly at the 22nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Waverly: 88.4% of its 475 buildings, versus 0.2% Indirect and 11.4% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Waverly against the rest of the country
Waverly's 80th-percentile standing inside Indiana outpaces its 20th 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, Waverly ranks 25,215 for wildfire risk (1 is highest) and 17,797 by building count (1 is largest). Within Indiana alone, it ranks 196 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
Waverly's low wildfire rating (20th 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.
What would actually reduce this score
Waverly's 88.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Waverly's figures come from
Waverly's 20th-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 Waverly's dominant direct exposure actually means, with real examples from across the dataset.