Ambia, IN
Ambia, IN's wildfire risk, in USFS's own numbers
Ambia sits at the 0th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 158 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ambia at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Ambia's buildings actually sit
Most of Ambia's buildings (76% of 158) 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.
Ambia against the rest of the country
Ambia scores 0th nationally and 1st within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Ambia ranks 31,457 for wildfire risk (1 is highest) and 26,521 by building count (1 is largest). Within Indiana alone, it ranks 951 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Ambia
Ambia's low wildfire rating (0th 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.
Hardening a home in Ambia
Even with 76% of Ambia 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 Ambia's figures come from
Ambia's 0th-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 Ambia's dominant minimal exposure actually means, with real examples from across the dataset.