Homer, IN
How exposed is Homer to wildfire?
USFS's Wildfire Risk to Communities model puts Homer at the 1st national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 115 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Homer at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
71.3% of Homer's 115 buildings sit in USFS's Minimal exposure zone, with only 28.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Homer ranks
Homer's risk sits at a similar level relative to Indiana (6th percentile statewide) as it does nationally (1st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Homer ranks 31,238 for wildfire risk (1 is highest) and 28,408 by building count (1 is largest). Within Indiana alone, it ranks 901 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Homer
Homer's low rating (1st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Homer
Homer's 71.3% 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.
Where Homer's figures come from
Every one of the two percentiles behind Homer's 31,238-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Homer's dominant minimal exposure actually means, with real examples from across the dataset.