Frankfort, IN
Frankfort, IN's wildfire risk, in USFS's own numbers
USFS scores Frankfort at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 7,876 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Frankfort at the 3rd percentile, close to its 3rd-percentile risk score.
Frankfort's building exposure, zone by zone
Most of Frankfort's buildings (94.2% of 7,876) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 7,876 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Frankfort compares
Frankfort's 19th-percentile standing inside Indiana outpaces its 3rd 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, Frankfort ranks 30,661 for wildfire risk (1 is highest) and 2,153 by building count (1 is largest). Within Indiana alone, it ranks 777 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
Frankfort's low rating (3rd 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
Frankfort's 94.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Frankfort's figures come from
The methodology guide shows exactly how USFS turned 7,876 counted buildings into the percentiles shown above for Frankfort. The exposure-zones guide covers what Frankfort's dominant minimal exposure actually means, with real examples from across the dataset.