Monticello, IN
Monticello, IN's wildfire risk, in USFS's own numbers
USFS scores Monticello at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 3,021 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monticello's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
What "at risk" means for the buildings here
93.1% of Monticello's 3,021 buildings sit in USFS's Minimal exposure zone, with only 7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Monticello against the rest of the country
Compare Monticello's two percentiles: 21st within Indiana, only 3rd nationally — a gap of 18 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Monticello ranks 30,572 for wildfire risk (1 is highest) and 5,393 by building count (1 is largest). Within Indiana alone, it ranks 762 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Monticello
At the 3rd national percentile, Monticello rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Monticello
With 93.1% of buildings rated Minimal exposure, Monticello gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Monticello's figures come from
Monticello's 3rd-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 Monticello's dominant minimal exposure actually means, with real examples from across the dataset.