Mount Carmel, IN
Mount Carmel, IN's wildfire risk, in USFS's own numbers
Mount Carmel 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 75 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Carmel at the 10th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Mount Carmel's buildings actually sit
USFS puts 89.3% of Mount Carmel's 75 buildings in the Indirect exposure zone, versus 10.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Mount Carmel compares
Within Indiana, Mount Carmel ranks higher (56th 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, Mount Carmel ranks 28,358 for wildfire risk (1 is highest) and 30,083 by building count (1 is largest). Within Indiana alone, it ranks 428 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Mount Carmel
Mount Carmel'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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Mount Carmel (89.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Mount Carmel's figures come from
Every one of the two percentiles behind Mount Carmel's 28,358-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mount Carmel's dominant indirect exposure actually means, with real examples from across the dataset.