St. Joe, IN
How exposed is St. Joe to wildfire?
St. Joe's 274 buildings earn a 7th-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 St. Joe at the 7th percentile, close to its 7th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 80.7% of St. Joe's 274 buildings in the Indirect exposure zone, versus 19.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where St. Joe ranks
St. Joe's 47th-percentile standing inside Indiana outpaces its 7th 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. Joe ranks 29,213 for wildfire risk (1 is highest) and 22,389 by building count (1 is largest). Within Indiana alone, it ranks 514 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in St. Joe
At the 7th national percentile, St. Joe rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in St. Joe
With ember exposure the dominant pattern in St. Joe (80.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 274 counted buildings into the percentiles shown above for St. Joe. For more on what indirect exposure implies beyond St. Joe, see the exposure-zones guide.