Kempton, IN
Kempton, IN's wildfire risk, in USFS's own numbers
Kempton's 248 buildings earn a 0th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kempton at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Kempton's building exposure, zone by zone
USFS classifies 86.7% of Kempton's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 13.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Kempton against the rest of the country
There's little gap between Kempton's 0th national percentile and its 2nd percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Kempton ranks 31,460 for wildfire risk (1 is highest) and 23,200 by building count (1 is largest). Within Indiana alone, it ranks 954 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Kempton and the insurance market
At the 0th national percentile, Kempton 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
Kempton's 86.7% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 248 counted buildings into the percentiles shown above for Kempton. For more on what minimal exposure implies beyond Kempton, see the exposure-zones guide.