West Terre Haute, IN
West Terre Haute wildfire risk explained
USFS scores West Terre Haute at the 20th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,371 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, West Terre Haute's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
What "at risk" means for the buildings here
Most of West Terre Haute's buildings (68.1% of 1,371) 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.
West Terre Haute against the rest of the country
West Terre Haute's 79th-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, West Terre Haute ranks 25,365 for wildfire risk (1 is highest) and 9,744 by building count (1 is largest). Within Indiana alone, it ranks 211 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
At the 20th national percentile, West Terre Haute rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in West Terre Haute
West Terre Haute's 68.1% 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.
Where West Terre Haute's figures come from
West Terre Haute'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 West Terre Haute's dominant minimal exposure actually means, with real examples from across the dataset.