Adams, IN
Adams, IN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Adams lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 152 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Adams at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Adams's buildings actually sit
USFS classifies 77% of Adams's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Adams against the rest of the country
Adams's 38th-percentile standing inside Indiana outpaces its 5th 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, Adams ranks 29,809 for wildfire risk (1 is highest) and 26,797 by building count (1 is largest). Within Indiana alone, it ranks 596 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
At the 5th national percentile, Adams rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 77% of Adams 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 Adams's figures come from
Every one of the two percentiles behind Adams's 29,809-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Adams's dominant minimal exposure actually means, with real examples from across the dataset.