Hobbs, IN
Hobbs wildfire risk explained
Hobbs sits at the 0th 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 173 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hobbs's burn probability — fire likelihood with no building count factored in — sits at the 0th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 79.8% of Hobbs's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 20.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Hobbs compares
Hobbs's risk sits at a similar level relative to Indiana (2nd percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hobbs ranks 31,398 for wildfire risk (1 is highest) and 25,891 by building count (1 is largest). Within Indiana alone, it ranks 944 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
At the 0th national percentile, Hobbs rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 79.8% of Hobbs 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.
Where Hobbs's figures come from
Hobbs's 0th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hobbs's dominant minimal exposure actually means, with real examples from across the dataset.