Williamsport, IN
Williamsport, IN's wildfire risk, in USFS's own numbers
USFS scores Williamsport at the 15th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,105 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Williamsport at the 16th percentile, close to its 15th-percentile risk score.
Williamsport's building exposure, zone by zone
38% of Williamsport's 1,105 buildings sit in USFS's Direct exposure zone, roughly 420 structures close enough to burnable vegetation for flame contact, not just embers — 27.5% fall in the Indirect, ember-only zone and 34.5% are Minimal.
Williamsport against the rest of the country
Compare Williamsport's two percentiles: 69th within Indiana, only 15th nationally — a gap of 54 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Williamsport ranks 26,719 for wildfire risk (1 is highest) and 11,251 by building count (1 is largest). Within Indiana alone, it ranks 303 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
Williamsport's low wildfire rating (15th 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 38% of Williamsport 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.
More on how this number was built
Williamsport's 15th-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 Williamsport, see the exposure-zones guide.