Fillmore, IN
Fillmore wildfire risk explained
Fillmore sits at the 8th 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 378 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fillmore's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
Fillmore's building exposure, zone by zone
Only 45.8% of Fillmore's 378 buildings carry Direct exposure and 0% carry Indirect; the remaining 54.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Fillmore against the rest of the country
Fillmore's 48th-percentile standing inside Indiana outpaces its 8th 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, Fillmore ranks 29,118 for wildfire risk (1 is highest) and 19,683 by building count (1 is largest). Within Indiana alone, it ranks 505 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Fillmore
Fillmore's low wildfire rating (8th 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
Even with 54.2% of Fillmore outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Fillmore's figures come from
Fillmore's 8th-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 Fillmore's dominant minimal exposure actually means, with real examples from across the dataset.