Bourbon, IN
Bourbon wildfire risk explained
USFS scores Bourbon at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 856 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bourbon at the 1st percentile, close to its 1st-percentile risk score.
Bourbon's building exposure, zone by zone
87.6% of Bourbon's 856 buildings sit in USFS's Minimal exposure zone, with only 12.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Bourbon compares
There's little gap between Bourbon's 1st national percentile and its 7th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bourbon ranks 31,235 for wildfire risk (1 is highest) and 13,117 by building count (1 is largest). Within Indiana alone, it ranks 898 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
Bourbon's low wildfire rating (1st 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 Bourbon
Bourbon's 87.6% 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
Bourbon's 1st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Bourbon, see the exposure-zones guide.