Richmond, IN
Richmond, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Richmond at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 18,153 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Richmond's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Richmond's building exposure, zone by zone
USFS classifies 88.9% of Richmond's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.5% Direct and 0.6% Indirect — a landscape-level risk rather than a building-by-building one. At 18,153 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Richmond against the rest of the country
Within Indiana, Richmond ranks higher (59th percentile) than it does nationally (11th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Richmond ranks 28,043 for wildfire risk (1 is highest) and 789 by building count (1 is largest). Within Indiana alone, it ranks 397 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
Richmond's low rating (11th 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
Richmond's 88.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Richmond's figures come from
Every one of the two percentiles behind Richmond's 28,043-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Richmond's dominant minimal exposure actually means, with real examples from across the dataset.