Webster, IN
Webster wildfire risk explained
Webster sits at the 6th 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 132 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Webster at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Webster's buildings actually sit
USFS classifies 59.1% of Webster's buildings as Direct exposure, higher than its 0% Indirect share and far above its 40.9% Minimal share — a profile where 78 structures sit close enough to vegetation that lot clearing matters most.
Webster against the rest of the country
Within Indiana, Webster ranks higher (44th percentile) than it does nationally (6th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Webster ranks 29,530 for wildfire risk (1 is highest) and 27,618 by building count (1 is largest). Within Indiana alone, it ranks 551 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
Webster's low wildfire rating (6th 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
Because Direct exposure dominates in Webster (59.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Webster's 6th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Webster, see the exposure-zones guide.