Cumberland, IN
How exposed is Cumberland to wildfire?
Cumberland sits at the 7th 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 2,328 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cumberland at the 8th percentile, close to its 7th-percentile risk score.
Where Cumberland's buildings actually sit
USFS classifies 85% of Cumberland's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Cumberland ranks
Cumberland's 45th-percentile standing inside Indiana outpaces its 7th 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, Cumberland ranks 29,340 for wildfire risk (1 is highest) and 6,647 by building count (1 is largest). Within Indiana alone, it ranks 528 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Cumberland and the insurance market
Cumberland's low rating (7th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 85% of buildings rated Minimal exposure, Cumberland 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 Cumberland's 29,340-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cumberland, see the exposure-zones guide.