Hobart, IN
How exposed is Hobart to wildfire?
USFS's Wildfire Risk to Communities model puts Hobart at the 53rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 14,440 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hobart at the 56th percentile, close to its 53rd-percentile risk score.
Where Hobart's buildings actually sit
Hobart rates 82.8% Minimal exposure against just 17.2% Direct and 0% Indirect — of 14,440 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 14,440 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Hobart ranks
Within Indiana, Hobart ranks higher (98th percentile) than it does nationally (53rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hobart ranks 14,776 for wildfire risk (1 is highest) and 1,038 by building count (1 is largest). Within Indiana alone, it ranks 18 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Hobart and the insurance market
Hobart's elevated wildfire rating (53rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Hobart
Even with 82.8% of Hobart outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 14,440 counted buildings into the percentiles shown above for Hobart. For more on what minimal exposure implies beyond Hobart, see the exposure-zones guide.