Philadelphia, IN
How exposed is Philadelphia to wildfire?
USFS scores Philadelphia at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 228 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Philadelphia at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Philadelphia rates 59.7% Minimal exposure against just 40.4% Direct and 0% Indirect — of 228 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Philadelphia compares
Compare Philadelphia's two percentiles: 38th within Indiana, only 5th nationally — a gap of 32 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Philadelphia ranks 29,844 for wildfire risk (1 is highest) and 23,850 by building count (1 is largest). Within Indiana alone, it ranks 606 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 5th national percentile, Philadelphia rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 59.7% of Philadelphia 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
Philadelphia'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 Philadelphia, see the exposure-zones guide.