Coal City, IN
Coal City wildfire risk explained
USFS scores Coal City at the 13th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 162 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 Coal City at the 14th percentile, close to its 13th-percentile risk score.
Where Coal City's buildings actually sit
50.6% of Coal City's 162 buildings sit in USFS's Minimal exposure zone, with only 49.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Coal City ranks
Compare Coal City's two percentiles: 64th within Indiana, only 13th nationally — a gap of 51 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Coal City ranks 27,381 for wildfire risk (1 is highest) and 26,328 by building count (1 is largest). Within Indiana alone, it ranks 349 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Coal City
At the 13th national percentile, Coal City rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Coal City
With 50.6% of buildings rated Minimal exposure, Coal City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Coal City's figures come from
Coal City's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Coal City's dominant minimal exposure actually means, with real examples from across the dataset.