Bloomington, IN
Bloomington wildfire risk explained
Bloomington 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 19,881 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bloomington at the 20th percentile, close to its 19th-percentile risk score.
Where Bloomington's buildings actually sit
USFS classifies 49.3% of Bloomington's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 29% Direct and 21.7% Indirect — a landscape-level risk rather than a building-by-building one. At 19,881 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Bloomington ranks
Within Indiana, Bloomington ranks higher (77th percentile) than it does nationally (19th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bloomington ranks 25,489 for wildfire risk (1 is highest) and 710 by building count (1 is largest). Within Indiana alone, it ranks 224 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Bloomington
Bloomington'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
Bloomington's 49.3% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 19,881 counted buildings into the percentiles shown above for Bloomington. For more on what minimal exposure implies beyond Bloomington, see the exposure-zones guide.