Montgomery, IN
Montgomery, IN's wildfire risk, in USFS's own numbers
USFS scores Montgomery at the 7th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 508 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Montgomery at the 7th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Montgomery's buildings actually sit
Only 49% of Montgomery's 508 buildings carry Direct exposure and 0% carry Indirect; the remaining 51% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Montgomery against the rest of the country
Compare Montgomery's two percentiles: 46th within Indiana, only 7th nationally — a gap of 39 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Montgomery ranks 29,342 for wildfire risk (1 is highest) and 17,208 by building count (1 is largest). Within Indiana alone, it ranks 530 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Montgomery and the insurance market
Montgomery's low rating (7th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Montgomery's 51% 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.
More on how this number was built
Montgomery's 7th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Montgomery, see the exposure-zones guide.