Hagerstown, IN
Hagerstown wildfire risk explained
Out of every US place USFS scores, Hagerstown lands at the 9th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,041 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hagerstown's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
What "at risk" means for the buildings here
82.8% of Hagerstown's 1,041 buildings sit in USFS's Minimal exposure zone, with only 17.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Hagerstown compares
Hagerstown's 51st-percentile standing inside Indiana outpaces its 9th 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, Hagerstown ranks 28,802 for wildfire risk (1 is highest) and 11,647 by building count (1 is largest). Within Indiana alone, it ranks 470 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Hagerstown and the insurance market
At the 9th national percentile, Hagerstown 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
Hagerstown's 82.8% 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.
More on how this number was built
Hagerstown's 9th-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 Hagerstown, see the exposure-zones guide.