Ramsey, IN
How exposed is Ramsey to wildfire?
Out of every US place USFS scores, Ramsey lands at the 26th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 300 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ramsey at the 28th national percentile — 2 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
78% of Ramsey's 300 buildings sit in USFS's Direct exposure zone, roughly 234 structures close enough to burnable vegetation for flame contact, not just embers — 22% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Ramsey ranks
Compare Ramsey's two percentiles: 91st within Indiana, only 26th nationally — a gap of 66 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ramsey ranks 23,351 for wildfire risk (1 is highest) and 21,631 by building count (1 is largest). Within Indiana alone, it ranks 84 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
Ramsey'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.
Hardening a home in Ramsey
Because Direct exposure dominates in Ramsey (78%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 300 counted buildings into the percentiles shown above for Ramsey. For more on what direct exposure implies beyond Ramsey, see the exposure-zones guide.