Hartford City, IN
Hartford City wildfire risk explained
Hartford City sits at the 4th 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 3,826 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hartford City at the 4th percentile, close to its 4th-percentile risk score.
Where Hartford City's buildings actually sit
USFS classifies 88.3% of Hartford City's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Hartford City against the rest of the country
Within Indiana, Hartford City ranks higher (26th percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hartford City ranks 30,346 for wildfire risk (1 is highest) and 4,402 by building count (1 is largest). Within Indiana alone, it ranks 703 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Hartford City and the insurance market
At the 4th national percentile, Hartford City 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
With 88.3% of buildings rated Minimal exposure, Hartford City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Hartford City's 4th-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 Hartford City, see the exposure-zones guide.