Wheatland, IN
Wheatland wildfire risk explained
Wheatland sits at the 3rd 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 338 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Wheatland at the 3rd percentile, close to its 3rd-percentile risk score.
Where Wheatland's buildings actually sit
Most of Wheatland's buildings (75.4% of 338) 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.
Where Wheatland ranks
Compare Wheatland's two percentiles: 25th within Indiana, only 3rd nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Wheatland ranks 30,447 for wildfire risk (1 is highest) and 20,624 by building count (1 is largest). Within Indiana alone, it ranks 730 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Wheatland and the insurance market
Wheatland's low wildfire rating (3rd 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 Wheatland
Even with 75.4% of Wheatland outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Wheatland's figures come from
Wheatland's 3rd-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 Wheatland's dominant minimal exposure actually means, with real examples from across the dataset.