Monroe City, IN
Monroe City, IN's wildfire risk, in USFS's own numbers
USFS scores Monroe City at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 332 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Monroe City at the 9th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Monroe City's building exposure, zone by zone
Only 16.3% of Monroe City's 332 buildings carry Direct exposure and 0% carry Indirect; the remaining 83.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Monroe City compares
Monroe City's 52nd-percentile standing inside Indiana outpaces its 9th 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, Monroe City ranks 28,737 for wildfire risk (1 is highest) and 20,755 by building count (1 is largest). Within Indiana alone, it ranks 462 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Monroe City and the insurance market
Monroe City's low rating (9th 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
Monroe City's 83.7% 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 Monroe City's figures come from
The methodology guide shows exactly how USFS turned 332 counted buildings into the percentiles shown above for Monroe City. The exposure-zones guide covers what Monroe City's dominant minimal exposure actually means, with real examples from across the dataset.