St. Bernice, IN
How exposed is St. Bernice to wildfire?
Out of every US place USFS scores, St. Bernice lands at the 10th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 564 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Bernice's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
St. Bernice's building exposure, zone by zone
Only 45.7% of St. Bernice's 564 buildings carry Direct exposure and 0% carry Indirect; the remaining 54.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
St. Bernice against the rest of the country
St. Bernice's 57th-percentile standing inside Indiana outpaces its 10th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, St. Bernice ranks 28,266 for wildfire risk (1 is highest) and 16,337 by building count (1 is largest). Within Indiana alone, it ranks 417 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
St. Bernice and the insurance market
At the 10th national percentile, St. Bernice rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 54.3% of St. Bernice outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
St. Bernice's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond St. Bernice, see the exposure-zones guide.