Ligonier, IN
Ligonier wildfire risk explained
USFS's Wildfire Risk to Communities model puts Ligonier at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,733 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ligonier 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
Ligonier rates 87.5% Minimal exposure against just 12.5% Direct and 0% Indirect — of 1,733 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Ligonier ranks
Within Indiana, Ligonier ranks higher (29th percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ligonier ranks 30,256 for wildfire risk (1 is highest) and 8,289 by building count (1 is largest). Within Indiana alone, it ranks 686 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Ligonier
Ligonier's low rating (4th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 87.5% of buildings rated Minimal exposure, Ligonier gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Ligonier's 30,256-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Ligonier, see the exposure-zones guide.