North Judson, IN
North Judson, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts North Judson at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,092 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Judson's burn probability — fire likelihood with no building count factored in — sits at the 26th percentile nationally.
What "at risk" means for the buildings here
North Judson rates 89.3% Minimal exposure against just 10.7% Direct and 0% Indirect — of 1,092 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
North Judson against the rest of the country
Compare North Judson's two percentiles: 91st within Indiana, only 26th nationally — a gap of 65 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, North Judson ranks 23,474 for wildfire risk (1 is highest) and 11,327 by building count (1 is largest). Within Indiana alone, it ranks 90 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
North Judson's moderate rating (26th 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
Even with 89.3% of North Judson 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.
Where North Judson's figures come from
North Judson's 26th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what North Judson's dominant minimal exposure actually means, with real examples from across the dataset.