Harmony, IN
How exposed is Harmony to wildfire?
Harmony sits at the 11th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 419 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harmony's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Harmony's building exposure, zone by zone
48.2% of Harmony's 419 buildings sit in USFS's Direct exposure zone, roughly 202 structures close enough to burnable vegetation for flame contact, not just embers — 5.3% fall in the Indirect, ember-only zone and 46.5% are Minimal.
Harmony against the rest of the country
Compare Harmony's two percentiles: 58th within Indiana, only 11th nationally — a gap of 47 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Harmony ranks 28,199 for wildfire risk (1 is highest) and 18,833 by building count (1 is largest). Within Indiana alone, it ranks 409 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Harmony and the insurance market
Harmony's low rating (11th 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
With 48.2% of Harmony in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Harmony's figures come from
The methodology guide shows exactly how USFS turned 419 counted buildings into the percentiles shown above for Harmony. The exposure-zones guide covers what Harmony's dominant direct exposure actually means, with real examples from across the dataset.