Kokomo, IN
Kokomo, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Kokomo at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 31,424 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kokomo at the 4th 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
Kokomo rates 93.1% Minimal exposure against just 6.9% Direct and 0% Indirect — of 31,424 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 31,424 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Kokomo compares
Kokomo's 27th-percentile standing inside Indiana outpaces its 4th 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, Kokomo ranks 30,347 for wildfire risk (1 is highest) and 357 by building count (1 is largest). Within Indiana alone, it ranks 704 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Kokomo and the insurance market
Kokomo's low wildfire rating (4th 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.
What would actually reduce this score
With 93.1% of buildings rated Minimal exposure, Kokomo gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Kokomo's figures come from
Every one of the two percentiles behind Kokomo's 30,347-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Kokomo's dominant minimal exposure actually means, with real examples from across the dataset.