Mishawaka, IN
How exposed is Mishawaka to wildfire?
USFS scores Mishawaka at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 20,505 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mishawaka's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
What "at risk" means for the buildings here
97% of Mishawaka's 20,505 buildings sit in USFS's Minimal exposure zone, with only 3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 20,505 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Mishawaka ranks
Mishawaka's 34th-percentile standing inside Indiana outpaces its 5th 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, Mishawaka ranks 30,041 for wildfire risk (1 is highest) and 687 by building count (1 is largest). Within Indiana alone, it ranks 639 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Mishawaka and the insurance market
Mishawaka's low rating (5th 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 97% of Mishawaka 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
Every one of the two percentiles behind Mishawaka's 30,041-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Mishawaka, see the exposure-zones guide.