Cambridge City, IN
Cambridge City wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cambridge City at the 6th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,182 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cambridge City at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Cambridge City's buildings actually sit
USFS classifies 89.1% of Cambridge City's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Cambridge City against the rest of the country
Cambridge City's 43rd-percentile standing inside Indiana outpaces its 6th 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, Cambridge City ranks 29,527 for wildfire risk (1 is highest) and 10,753 by building count (1 is largest). Within Indiana alone, it ranks 548 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
Cambridge City's low wildfire rating (6th 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
Cambridge City's 89.1% 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.
Where Cambridge City's figures come from
The methodology guide shows exactly how USFS turned 1,182 counted buildings into the percentiles shown above for Cambridge City. The exposure-zones guide covers what Cambridge City's dominant minimal exposure actually means, with real examples from across the dataset.