Monterey, IN
Monterey, IN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Monterey lands at the 4th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 158 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Monterey at the 3rd percentile, close to its 4th-percentile risk score.
Monterey's building exposure, zone by zone
Most of Monterey's buildings (81.7% of 158) 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.
Monterey against the rest of the country
Within Indiana, Monterey ranks higher (26th percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Monterey ranks 30,409 for wildfire risk (1 is highest) and 26,522 by building count (1 is largest). Within Indiana alone, it ranks 722 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Monterey and the insurance market
Monterey'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.
Lowering exposure, not just insuring around it
Even with 81.7% of Monterey 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.
Where Monterey's figures come from
Monterey'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 Monterey's dominant minimal exposure actually means, with real examples from across the dataset.