Hamburg, IN
Hamburg, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hamburg at the 24th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 70 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hamburg at the 25th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
70 buildings are counted in Hamburg, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Hamburg against the rest of the country
Compare Hamburg's two percentiles: 89th within Indiana, only 24th nationally — a gap of 66 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hamburg ranks 24,041 for wildfire risk (1 is highest) and 30,273 by building count (1 is largest). Within Indiana alone, it ranks 104 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Hamburg
Hamburg's moderate rating (24th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Hamburg (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hamburg's figures come from
Every one of the two percentiles behind Hamburg's 24,041-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hamburg's dominant direct exposure actually means, with real examples from across the dataset.