Muncie, IN
How exposed is Muncie to wildfire?
Out of every US place USFS scores, Muncie lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 31,134 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Muncie's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where Muncie's buildings actually sit
USFS classifies 90.3% of Muncie's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 9.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 31,134 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Muncie ranks
Compare Muncie's two percentiles: 36th within Indiana, only 5th nationally — a gap of 31 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Muncie ranks 29,944 for wildfire risk (1 is highest) and 362 by building count (1 is largest). Within Indiana alone, it ranks 622 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
Muncie's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Muncie's 90.3% 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
The methodology guide shows exactly how USFS turned 31,134 counted buildings into the percentiles shown above for Muncie. For more on what minimal exposure implies beyond Muncie, see the exposure-zones guide.