Chalmers, IN
Chalmers wildfire risk explained
USFS's Wildfire Risk to Communities model puts Chalmers at the 1st national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 392 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Chalmers's burn probability — fire likelihood with no building count factored in — sits at the 1st percentile nationally.
What "at risk" means for the buildings here
Only 14.5% of Chalmers's 392 buildings carry Direct exposure and 0% carry Indirect; the remaining 85.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Chalmers ranks
Chalmers scores 1st nationally and 4th within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Chalmers ranks 31,299 for wildfire risk (1 is highest) and 19,364 by building count (1 is largest). Within Indiana alone, it ranks 919 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Chalmers
Chalmers's low rating (1st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Chalmers
Chalmers's 85.5% 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 392 counted buildings into the percentiles shown above for Chalmers. For more on what minimal exposure implies beyond Chalmers, see the exposure-zones guide.