Metamora, IN
Metamora, IN's wildfire risk, in USFS's own numbers
Metamora sits at the 20th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 241 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Metamora's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
Where Metamora's buildings actually sit
241 buildings are counted in Metamora, and 58.1% of them are Indirect exposure — ember-driven risk rather than the 41.9% in Direct exposure or the 0% rated Minimal.
Where Metamora ranks
Metamora's 81st-percentile standing inside Indiana outpaces its 20th 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, Metamora ranks 25,112 for wildfire risk (1 is highest) and 23,424 by building count (1 is largest). Within Indiana alone, it ranks 185 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
At the 20th national percentile, Metamora rates moderate 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
With ember exposure the dominant pattern in Metamora (58.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Metamora's figures come from
The methodology guide shows exactly how USFS turned 241 counted buildings into the percentiles shown above for Metamora. The exposure-zones guide covers what Metamora's dominant indirect exposure actually means, with real examples from across the dataset.