Munster, IN
Munster, IN's wildfire risk, in USFS's own numbers
Munster sits at the 48th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 10,583 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 Munster at the 50th percentile, close to its 48th-percentile risk score.
Where Munster's buildings actually sit
Munster rates 99% Minimal exposure against just 1% Direct and 0% Indirect — of 10,583 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 10,583 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Munster ranks
Munster's 97th-percentile standing inside Indiana outpaces its 48th 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, Munster ranks 16,503 for wildfire risk (1 is highest) and 1,510 by building count (1 is largest). Within Indiana alone, it ranks 33 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Munster and the insurance market
Munster's elevated rating (48th 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
With 99% of buildings rated Minimal exposure, Munster gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Munster's figures come from
The methodology guide shows exactly how USFS turned 10,583 counted buildings into the percentiles shown above for Munster. The exposure-zones guide covers what Munster's dominant minimal exposure actually means, with real examples from across the dataset.