Miami, IN
Miami wildfire risk explained
USFS scores Miami at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 167 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Miami at the 1st 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
USFS classifies 76.7% of Miami's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Miami ranks
There's little gap between Miami's 1st national percentile and its 5th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Miami ranks 31,304 for wildfire risk (1 is highest) and 26,129 by building count (1 is largest). Within Indiana alone, it ranks 924 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Miami and the insurance market
Miami's low rating (1st 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
Even with 76.7% of Miami outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Miami's 1st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Miami, see the exposure-zones guide.