Muncie, IL
How exposed is Muncie to wildfire?
USFS's Wildfire Risk to Communities model puts Muncie at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 121 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 Muncie at the 7th percentile, close to its 7th-percentile risk score.
Where Muncie's buildings actually sit
71.9% of Muncie's 121 buildings sit in USFS's Minimal exposure zone, with only 28.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Muncie ranks
Muncie's 34th-percentile standing inside Illinois outpaces its 7th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Muncie ranks 29,397 for wildfire risk (1 is highest) and 28,101 by building count (1 is largest). Within Illinois alone, it ranks 957 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Muncie and the insurance market
Muncie's low wildfire rating (7th 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
Muncie's 71.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Muncie's 29,397-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Muncie, see the exposure-zones guide.