North Liberty, IN
North Liberty wildfire risk explained
North Liberty sits at the 10th 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 874 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks North Liberty at the 10th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
78.3% of North Liberty's 874 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 20.5% Direct and 1.3% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where North Liberty ranks
Within Indiana, North Liberty ranks higher (57th percentile) than it does nationally (10th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, North Liberty ranks 28,230 for wildfire risk (1 is highest) and 12,954 by building count (1 is largest). Within Indiana alone, it ranks 412 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
At the 10th national percentile, North Liberty rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in North Liberty
With ember exposure the dominant pattern in North Liberty (78.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 874 counted buildings into the percentiles shown above for North Liberty. For more on what indirect exposure implies beyond North Liberty, see the exposure-zones guide.