Saratoga, IN
Saratoga wildfire risk explained
Saratoga's 208 buildings earn a 0th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Saratoga at the 0th percentile, close to its 0th-percentile risk score.
Where Saratoga's buildings actually sit
95.7% of Saratoga's 208 buildings sit in USFS's Minimal exposure zone, with only 4.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Saratoga against the rest of the country
Saratoga's risk sits at a similar level relative to Indiana (1st percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Saratoga ranks 31,463 for wildfire risk (1 is highest) and 24,550 by building count (1 is largest). Within Indiana alone, it ranks 957 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Saratoga
Saratoga's low wildfire rating (0th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Saratoga's 95.7% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 208 counted buildings into the percentiles shown above for Saratoga. For more on what minimal exposure implies beyond Saratoga, see the exposure-zones guide.