Morris, IN
How exposed is Morris to wildfire?
Morris sits at the 10th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 285 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morris at the 11th percentile, close to its 10th-percentile risk score.
What "at risk" means for the buildings here
56.8% of Morris's 285 buildings sit in USFS's Direct exposure zone, roughly 162 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 43.2% are Minimal.
Where Morris ranks
Within Indiana, Morris ranks higher (57th percentile) than it does nationally (10th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Morris ranks 28,297 for wildfire risk (1 is highest) and 22,031 by building count (1 is largest). Within Indiana alone, it ranks 419 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Morris and the insurance market
Morris's low wildfire rating (10th 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
With 56.8% of Morris in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Morris's figures come from
Every one of the two percentiles behind Morris's 28,297-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Morris's dominant direct exposure actually means, with real examples from across the dataset.