Morristown, IN
Morristown wildfire risk explained
USFS's Wildfire Risk to Communities model puts Morristown at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 774 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morristown at the 4th percentile, close to its 4th-percentile risk score.
What "at risk" means for the buildings here
Only 19% of Morristown's 774 buildings carry Direct exposure and 0% carry Indirect; the remaining 81% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Morristown ranks
Compare Morristown's two percentiles: 27th within Indiana, only 4th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Morristown ranks 30,352 for wildfire risk (1 is highest) and 13,878 by building count (1 is largest). Within Indiana alone, it ranks 709 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Morristown and the insurance market
Morristown'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.
What would actually reduce this score
With 81% of buildings rated Minimal exposure, Morristown gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Morristown's figures come from
Morristown'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 Morristown's dominant minimal exposure actually means, with real examples from across the dataset.