Grammer, IN
Grammer, IN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Grammer lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 119 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Grammer at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Grammer's buildings actually sit
Of Grammer's 119 counted buildings, 56.3% carry Direct exposure and only 43.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Grammer against the rest of the country
Compare Grammer's two percentiles: 36th within Indiana, only 5th nationally — a gap of 31 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Grammer ranks 29,943 for wildfire risk (1 is highest) and 28,188 by building count (1 is largest). Within Indiana alone, it ranks 621 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Grammer and the insurance market
Grammer's low rating (5th 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
Because Direct exposure dominates in Grammer (56.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Grammer's figures come from
The methodology guide shows exactly how USFS turned 119 counted buildings into the percentiles shown above for Grammer. The exposure-zones guide covers what Grammer's dominant direct exposure actually means, with real examples from across the dataset.