Coalmont, IN
Coalmont, IN's wildfire risk, in USFS's own numbers
USFS scores Coalmont at the 12th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 293 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coalmont's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
What "at risk" means for the buildings here
293 buildings are counted in Coalmont, and 80.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 19.5% rated Minimal.
Coalmont against the rest of the country
Within Indiana, Coalmont ranks higher (61st percentile) than it does nationally (12th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Coalmont ranks 27,819 for wildfire risk (1 is highest) and 21,813 by building count (1 is largest). Within Indiana alone, it ranks 379 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Coalmont
Coalmont's low wildfire rating (12th 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.
What would actually reduce this score
Coalmont's 80.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Coalmont's figures come from
Coalmont's 12th-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 Coalmont's dominant direct exposure actually means, with real examples from across the dataset.