Kramer, IN
Kramer, IN's wildfire risk, in USFS's own numbers
Kramer sits at the 14th 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 70 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kramer at the 14th 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
70 buildings are counted in Kramer, and 87.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 12.9% rated Minimal.
How Kramer compares
Within Indiana, Kramer ranks higher (66th percentile) than it does nationally (14th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Kramer ranks 27,066 for wildfire risk (1 is highest) and 30,275 by building count (1 is largest). Within Indiana alone, it ranks 326 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Kramer and the insurance market
Kramer's low rating (14th 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 Kramer
Because Direct exposure dominates in Kramer (87.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Kramer's figures come from
Every one of the two percentiles behind Kramer's 27,066-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Kramer's dominant direct exposure actually means, with real examples from across the dataset.