Preble, IN
Preble wildfire risk explained
USFS's Wildfire Risk to Communities model puts Preble at the 1st national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 131 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Preble's burn probability — fire likelihood with no building count factored in — sits at the 1st percentile nationally.
Where Preble's buildings actually sit
Preble rates 88.6% Minimal exposure against just 11.5% Direct and 0% Indirect — of 131 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Preble ranks
There's little gap between Preble's 1st national percentile and its 7th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Preble ranks 31,240 for wildfire risk (1 is highest) and 27,661 by building count (1 is largest). Within Indiana alone, it ranks 903 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 1st national percentile, Preble 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 Preble
Even with 88.6% of Preble 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
Preble's 1st-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 Preble, see the exposure-zones guide.