Melody Hill, IN
Melody Hill wildfire risk explained
Melody Hill sits at the 18th 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 1,696 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Melody Hill's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
What "at risk" means for the buildings here
Melody Hill rates 70.3% Minimal exposure against just 29.7% Direct and 0% Indirect — of 1,696 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Melody Hill against the rest of the country
Compare Melody Hill's two percentiles: 74th within Indiana, only 18th nationally — a gap of 56 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Melody Hill ranks 25,867 for wildfire risk (1 is highest) and 8,431 by building count (1 is largest). Within Indiana alone, it ranks 248 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Melody Hill and the insurance market
Melody Hill's low rating (18th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 70.3% of buildings rated Minimal exposure, Melody Hill gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Melody Hill's figures come from
Every one of the two percentiles behind Melody Hill's 25,867-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Melody Hill's dominant minimal exposure actually means, with real examples from across the dataset.