Napoleon, IN
How exposed is Napoleon to wildfire?
Napoleon sits at the 5th 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 219 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 Napoleon at the 5th percentile, close to its 5th-percentile risk score.
Napoleon's building exposure, zone by zone
Only 20.6% of Napoleon's 219 buildings carry Direct exposure and 0% carry Indirect; the remaining 79.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Napoleon ranks
Within Indiana, Napoleon ranks higher (33rd percentile) than it does nationally (5th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Napoleon ranks 30,098 for wildfire risk (1 is highest) and 24,154 by building count (1 is largest). Within Indiana alone, it ranks 650 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Napoleon
Napoleon's low wildfire rating (5th 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
Even with 79.5% of Napoleon outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Napoleon's 5th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Napoleon, see the exposure-zones guide.