Camden, IN
Camden wildfire risk explained
Camden sits at the 3rd 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 414 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Camden's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
What "at risk" means for the buildings here
Camden rates 86% Minimal exposure against just 14% Direct and 0% Indirect — of 414 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Camden ranks
Camden's 18th-percentile standing inside Indiana outpaces its 3rd 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, Camden ranks 30,727 for wildfire risk (1 is highest) and 18,942 by building count (1 is largest). Within Indiana alone, it ranks 790 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
Camden's low wildfire rating (3rd 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 86% of buildings rated Minimal exposure, Camden gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Camden's 30,727-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Camden, see the exposure-zones guide.