Somerset, IN
Somerset wildfire risk explained
USFS scores Somerset at the 6th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 244 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Somerset at the 6th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Somerset: 56.6% of its 244 buildings, versus 0% Indirect and 43.4% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Somerset compares
Within Indiana, Somerset ranks higher (42nd percentile) than it does nationally (6th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Somerset ranks 29,593 for wildfire risk (1 is highest) and 23,329 by building count (1 is largest). Within Indiana alone, it ranks 564 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
Somerset's low wildfire rating (6th 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.
Lowering exposure, not just insuring around it
Somerset's 56.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Somerset's figures come from
Every one of the two percentiles behind Somerset's 29,593-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Somerset's dominant direct exposure actually means, with real examples from across the dataset.