Montmorenci, IN
How exposed is Montmorenci to wildfire?
Out of every US place USFS scores, Montmorenci lands at the 9th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 109 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Montmorenci at the 9th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Montmorenci's building exposure, zone by zone
USFS classifies 51.4% of Montmorenci's buildings as Direct exposure, higher than its 0% Indirect share and far above its 48.6% Minimal share — a profile where 56 structures sit close enough to vegetation that lot clearing matters most.
Montmorenci against the rest of the country
Compare Montmorenci's two percentiles: 54th within Indiana, only 9th nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Montmorenci ranks 28,548 for wildfire risk (1 is highest) and 28,656 by building count (1 is largest). Within Indiana alone, it ranks 443 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Montmorenci
Montmorenci's low wildfire rating (9th 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.
What would actually reduce this score
Montmorenci's 51.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 109 counted buildings into the percentiles shown above for Montmorenci. For more on what direct exposure implies beyond Montmorenci, see the exposure-zones guide.