Milford (Decatur), IN
Milford (Decatur) wildfire risk explained
Milford (Decatur)'s 99 buildings earn a 4th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milford (Decatur) at the 4th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Milford (Decatur)'s buildings actually sit
80.8% of Milford (Decatur)'s 99 buildings sit in USFS's Minimal exposure zone, with only 19.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Milford (Decatur) against the rest of the country
Compare Milford (Decatur)'s two percentiles: 25th within Indiana, only 4th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Milford (Decatur) ranks 30,408 for wildfire risk (1 is highest) and 29,073 by building count (1 is largest). Within Indiana alone, it ranks 721 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Milford (Decatur) and the insurance market
Milford (Decatur)'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.
What would actually reduce this score
Milford (Decatur)'s 80.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Milford (Decatur)'s figures come from
Milford (Decatur)'s 4th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Milford (Decatur)'s dominant minimal exposure actually means, with real examples from across the dataset.