Winchester, IN
How exposed is Winchester to wildfire?
Out of every US place USFS scores, Winchester lands at the 4th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 3,018 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Winchester at the 4th percentile, close to its 4th-percentile risk score.
Winchester's building exposure, zone by zone
Most of Winchester's buildings (91.9% of 3,018) 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 Winchester ranks
Within Indiana, Winchester ranks higher (30th percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Winchester ranks 30,221 for wildfire risk (1 is highest) and 5,404 by building count (1 is largest). Within Indiana alone, it ranks 678 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
Winchester's low wildfire rating (4th 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
Winchester's 91.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Winchester's figures come from
Every one of the two percentiles behind Winchester's 30,221-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Winchester's dominant minimal exposure actually means, with real examples from across the dataset.