Millgrove, IN
Millgrove wildfire risk explained
Out of every US place USFS scores, Millgrove lands at the 2nd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 79 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Millgrove at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Millgrove's buildings actually sit
Most of Millgrove's buildings (54.4% of 79) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Millgrove compares
Millgrove scores 2nd nationally and 11th within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Millgrove ranks 31,045 for wildfire risk (1 is highest) and 29,911 by building count (1 is largest). Within Indiana alone, it ranks 865 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
Millgrove's low wildfire rating (2nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 54.4% of buildings rated Minimal exposure, Millgrove 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
The methodology guide shows exactly how USFS turned 79 counted buildings into the percentiles shown above for Millgrove. For more on what minimal exposure implies beyond Millgrove, see the exposure-zones guide.