Hillsdale, IN
How exposed is Hillsdale to wildfire?
USFS scores Hillsdale at the 15th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 152 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hillsdale at the 15th percentile, close to its 15th-percentile risk score.
Where Hillsdale's buildings actually sit
Direct exposure dominates in Hillsdale: 94.1% of its 152 buildings, versus 5.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Hillsdale ranks
Hillsdale's 69th-percentile standing inside Indiana outpaces its 15th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Hillsdale ranks 26,684 for wildfire risk (1 is highest) and 26,799 by building count (1 is largest). Within Indiana alone, it ranks 301 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Hillsdale and the insurance market
At the 15th national percentile, Hillsdale 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
Hillsdale's 94.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Hillsdale's figures come from
Every one of the two percentiles behind Hillsdale's 26,684-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hillsdale's dominant direct exposure actually means, with real examples from across the dataset.