Somerville, IN
How exposed is Somerville to wildfire?
Out of every US place USFS scores, Somerville lands at the 19th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 209 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Somerville at the 18th percentile, close to its 19th-percentile risk score.
Where Somerville's buildings actually sit
Of Somerville's 209 counted buildings, 51.7% carry Direct exposure and only 48.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Somerville compares
Compare Somerville's two percentiles: 76th within Indiana, only 19th nationally — a gap of 57 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Somerville ranks 25,646 for wildfire risk (1 is highest) and 24,506 by building count (1 is largest). Within Indiana alone, it ranks 232 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Somerville and the insurance market
Somerville's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 51.7% of Somerville in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Somerville's figures come from
Every one of the two percentiles behind Somerville's 25,646-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Somerville's dominant direct exposure actually means, with real examples from across the dataset.