Fairbanks, IN
How exposed is Fairbanks to wildfire?
Fairbanks sits at the 5th 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 117 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fairbanks's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Fairbanks's building exposure, zone by zone
63.3% of Fairbanks's 117 buildings sit in USFS's Direct exposure zone, roughly 74 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 36.8% are Minimal.
Where Fairbanks ranks
Fairbanks's 33rd-percentile standing inside Indiana outpaces its 5th 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, Fairbanks ranks 30,095 for wildfire risk (1 is highest) and 28,297 by building count (1 is largest). Within Indiana alone, it ranks 647 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Fairbanks
Fairbanks's low wildfire rating (5th 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
Fairbanks's 63.3% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 117 counted buildings into the percentiles shown above for Fairbanks. For more on what direct exposure implies beyond Fairbanks, see the exposure-zones guide.