Bedford, IN
Bedford, IN's wildfire risk, in USFS's own numbers
Bedford sits at the 19th 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 8,335 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bedford at the 21st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Bedford's buildings actually sit
8,335 buildings are counted in Bedford, and 39% of them are Indirect exposure — ember-driven risk rather than the 26% in Direct exposure or the 35% rated Minimal. At 8,335 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Bedford against the rest of the country
Bedford's 78th-percentile standing inside Indiana outpaces its 19th 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, Bedford ranks 25,394 for wildfire risk (1 is highest) and 1,995 by building count (1 is largest). Within Indiana alone, it ranks 212 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Bedford
Bedford's low wildfire rating (19th 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
With ember exposure the dominant pattern in Bedford (39% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Bedford's figures come from
The methodology guide shows exactly how USFS turned 8,335 counted buildings into the percentiles shown above for Bedford. The exposure-zones guide covers what Bedford's dominant indirect exposure actually means, with real examples from across the dataset.