Monon, IN
Monon, IN's wildfire risk, in USFS's own numbers
USFS scores Monon at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 984 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monon's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Monon's building exposure, zone by zone
90.9% of Monon's 984 buildings sit in USFS's Minimal exposure zone, with only 9.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Monon against the rest of the country
Monon's risk sits at a similar level relative to Indiana (15th percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Monon ranks 30,854 for wildfire risk (1 is highest) and 12,044 by building count (1 is largest). Within Indiana alone, it ranks 821 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Monon and the insurance market
Monon'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.
Lowering exposure, not just insuring around it
With 90.9% of buildings rated Minimal exposure, Monon gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Monon's figures come from
Every one of the two percentiles behind Monon's 30,854-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Monon's dominant minimal exposure actually means, with real examples from across the dataset.