Hamilton, IN
Hamilton wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hamilton at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,307 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hamilton at the 9th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hamilton's buildings actually sit
Only 24% of Hamilton's 1,307 buildings carry Direct exposure and 28.8% carry Indirect; the remaining 47.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Hamilton against the rest of the country
Compare Hamilton's two percentiles: 52nd within Indiana, only 9th nationally — a gap of 43 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hamilton ranks 28,766 for wildfire risk (1 is highest) and 10,041 by building count (1 is largest). Within Indiana alone, it ranks 467 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 9th national percentile, Hamilton 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
Hamilton's 47.2% 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.
More on how this number was built
Hamilton'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 Hamilton, see the exposure-zones guide.