Winamac, IN
How exposed is Winamac to wildfire?
Winamac's 1,395 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Winamac at the 3rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Winamac's buildings actually sit
Most of Winamac's buildings (94% of 1,395) 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.
How Winamac compares
Within Indiana, Winamac ranks higher (25th percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Winamac ranks 30,448 for wildfire risk (1 is highest) and 9,650 by building count (1 is largest). Within Indiana alone, it ranks 731 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Winamac and the insurance market
Winamac'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.
Lowering exposure, not just insuring around it
Even with 94% of Winamac 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 Winamac's figures come from
Winamac'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 Winamac's dominant minimal exposure actually means, with real examples from across the dataset.