Jamestown, IN
How exposed is Jamestown to wildfire?
USFS scores Jamestown at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 593 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 Jamestown at the 2nd percentile, close to its 2nd-percentile risk score.
Where Jamestown's buildings actually sit
82.1% of Jamestown's 593 buildings sit in USFS's Minimal exposure zone, with only 17.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Jamestown ranks
Jamestown's 18th-percentile standing inside Indiana outpaces its 2nd 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, Jamestown ranks 30,759 for wildfire risk (1 is highest) and 15,925 by building count (1 is largest). Within Indiana alone, it ranks 799 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
Jamestown's low wildfire rating (2nd 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 Jamestown
Even with 82.1% of Jamestown 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
Jamestown's 2nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Jamestown, see the exposure-zones guide.