Fort Wayne, IN
Fort Wayne wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fort Wayne at the 6th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 113,162 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fort Wayne at the 6th percentile, close to its 6th-percentile risk score.
Where Fort Wayne's buildings actually sit
USFS classifies 90.6% of Fort Wayne's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 8.2% Direct and 1.2% Indirect — a landscape-level risk rather than a building-by-building one. At 113,162 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Fort Wayne ranks
Within Indiana, Fort Wayne ranks higher (41st percentile) than it does nationally (6th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fort Wayne ranks 29,652 for wildfire risk (1 is highest) and 55 by building count (1 is largest). Within Indiana alone, it ranks 573 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
At the 6th national percentile, Fort Wayne rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 90.6% of Fort Wayne 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.
More on how this number was built
Fort Wayne's 6th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Fort Wayne, see the exposure-zones guide.