Williams Creek, IN
Williams Creek, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Williams Creek at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 183 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Williams Creek at the 10th percentile, close to its 9th-percentile risk score.
Where Williams Creek's buildings actually sit
56.8% of Williams Creek's 183 buildings sit in USFS's Direct exposure zone, roughly 104 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 43.2% are Minimal.
Where Williams Creek ranks
Williams Creek's 53rd-percentile standing inside Indiana outpaces its 9th 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, Williams Creek ranks 28,708 for wildfire risk (1 is highest) and 25,495 by building count (1 is largest). Within Indiana alone, it ranks 460 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
Williams Creek's low wildfire rating (9th 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
With 56.8% of Williams Creek in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Williams Creek's figures come from
Every one of the two percentiles behind Williams Creek's 28,708-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Williams Creek's dominant direct exposure actually means, with real examples from across the dataset.