Hemlock, IN
Hemlock wildfire risk explained
USFS scores Hemlock at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 160 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hemlock's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 63.8% of Hemlock's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 36.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Hemlock compares
Hemlock's risk sits at a similar level relative to Indiana (12th percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hemlock ranks 30,980 for wildfire risk (1 is highest) and 26,425 by building count (1 is largest). Within Indiana alone, it ranks 848 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Hemlock and the insurance market
Hemlock's low rating (2nd 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
Hemlock's 63.8% 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
Every one of the two percentiles behind Hemlock's 30,980-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Hemlock, see the exposure-zones guide.