Westfield, IN
How exposed is Westfield to wildfire?
USFS's Wildfire Risk to Communities model puts Westfield at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 14,972 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Westfield at the 10th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Westfield's buildings actually sit
USFS classifies 85.8% of Westfield's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 14.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 14,972 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Westfield ranks
Compare Westfield's two percentiles: 56th within Indiana, only 10th nationally — a gap of 46 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Westfield ranks 28,361 for wildfire risk (1 is highest) and 992 by building count (1 is largest). Within Indiana alone, it ranks 431 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
Westfield'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.
What would actually reduce this score
With 85.8% of buildings rated Minimal exposure, Westfield gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 14,972 counted buildings into the percentiles shown above for Westfield. For more on what minimal exposure implies beyond Westfield, see the exposure-zones guide.